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Update on Esmeralda

Esmeralda is a married woman with three children. She is a very hardworking entrepreneur. She is 49 years old and has two children who are in school.

Esmeralda has a general store business in the Philippines. She has been in this business for 13 years. She requested a loan of 25,000 Philippine pesos (PHP) through NWTF to purchase additional stock such as snack foods, laundry soap, noodles, bread, and other groceries to sell in her general store.

She successfully paid back her previous loan and is now requesting a new loan to further build her general store business. She would like to save enough to provide a secure future for her family.

Previous Loan Details

Esmeralda is 48 years old and married with 3 children. With 2 children in school, Esmeralda works very hard to provide for them. Esmeralda runs a general store in the Philippines and requested a PHP 30000 loan through NWTF to buy additional items to sell. Esmeralda has been in this business... More from Esmeralda's previous loan »

Additional Information

About Negros Women for Tomorrow Foundation

Negros Women for Tomorrow Foundation, Inc. (NWTF) is a non-governmental organization established with an aim to help men and women achieve self-sufficiency, particularly in the province of Negros Occidental’s low-income communities. The organization offers its clients a wide variety of products, including loans for micro-entrepreneurs, hospital income benefits, life insurance, accidental death benefits and more. Kiva lenders’ funds will be used to expand the reach of these products to low-income urban and rural communities.

Concurrent and Successive Loans

Our Field Partners often work with borrowers over a series of loans as the borrowers build credit, take out bigger loans, and expand their businesses. In order to make it easier for our Field Partners to post loans for borrowers who have been listed on Kiva before, we allow them to post successive and concurrent loans for their Kiva borrowers. This means that our Field Partners are able to post a borrower's second, third, etc., loan on Kiva without having to re-enter all of the borrower's information.

This borrower has been listed on Kiva before, so you'll see an updated loan description, as well as excerpts of the original descriptions from earlier loans. Most borrowers take out loans consecutively, meaning that they receive a second loan after having repaid the first. However, sometimes our Field Partners give out concurrent loans, allowing borrowers to take out one primary loan and a secondary "add-on" loan along with it. These "add-on" loans are typically smaller than the borrower's primary loan and serve a different purpose. Because Field Partners can now post loans as successive and concurrent loans, you will be able to track borrower progress over time and see the various ways a borrower is working with our Field Partners through funds from Kiva’s lenders.

About Philippines

  • $7,000
    Average annual income
  • 347
    View loans »
    Philippines Loans Fundraising
  • $70,724,275
    Funds lent in using Kiva
  • 41.2
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $625 helped Esmeralda to purchase additional stock such as snack foods, laundry soap, noodles, bread, and other groceries to sell in her general store.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Apr 30, 2013
May 20, 2013
Currency Exchange Loss:
Apr 16, 2014