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Luzel is 30 years old and married. She works hard to provide for her family. She runs a general store in the Philippines and requested a loan of 30,000 PHP through NWTF (Negros Women for Tomorrow Foundation, Inc.) to buy additional items to sell, like charcoal, sugar, yakult [a probiotic milk product], rice, eggs, shampoo, and groceries.

Luzel has borrowed and paid back 15 loans from NWTF before this loan. She has been running the general store for three years and also earns an income from raising pigs.

Luzel aspires to save money to expand her business.

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
  • 535
    View loans »
    Philippines Loans Fundraising
  • $69,842,450
    Funds lent in using Kiva
  • 43.3
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $700 helped Luzel to buy additional items to sell, like charcoal, sugar, yakult, rice, eggs, shampoo, groceries, etc.
100% repaid
Repayment Term
5 months (Additional Information)
Repayment Schedule
Jun 18, 2013
Jul 6, 2013
Currency Exchange Loss:
Oct 17, 2013