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Elsa is 44 years old and married with five children.

Elsa works hard to provide for her family. She runs a charcoal business in the Philippines and requested a PHP 15000 loan through NWTF to buy sacks of charcoal to sell.

Elsa has borrowed and repaid nineteen loans from NWTF before this loan. She has been running the charcoal business for eight years and also earns an income from buying and selling nipa, woven palm mats used for house repair and construction.

Elsa aspires to build and expand her business to secure the future of her family.

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.

About Philippines

  • $7,000
    Average annual income
  • 350
    View loans »
    Philippines Loans Fundraising
  • $70,673,000
    Funds lent in using Kiva
  • 42.1
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $375 helped Elsa to buy sacks of charcoal to sell.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
May 9, 2013
Jun 10, 2013
Currency Exchange Loss:
Dec 17, 2013