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Joesenette is 40 years old and married with two children.

Joesenette works hard to provide for her family. She runs a general store in the Philippines and requested a loan of PHP 19,500 through NWTF to buy additional items to sell such as canned goods, milk, sugar, noodles and eggs. Joesenette has borrowed and repaid 21 loans from NWTF before this loan. She has been running the general store for 12 years and also earns an income from buying and selling ready to wear clothes and pig fattening.

Joesenette aspires to save enough money so she can afford to send her children to college.

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
  • 380
    View loans »
    Philippines Loans Fundraising
  • $70,831,400
    Funds lent in using Kiva
  • 43.4
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $450 helped Joesenette to buy additional items to sell such as canned goods, milk, sugar, noodles and eggs.
100% repaid
Repayment Term
11 months (Additional Information)
Repayment Schedule
Jun 18, 2013
Jul 21, 2013
Currency Exchange Loss:
Apr 16, 2014