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Josefina is 53 years old and married with four children.

Josefina works hard to provide for her family. She runs a general store in the Philippines and requests a PHP 20000 loan through NWTF to purchase more groceries to sell in her general store.

Josefina has borrowed and repaid six loans from NWTF before this loan. She has been running her general store for five years. Josefina also earns income buy buying and selling ready to wear clothing.

Josefina 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
  • 481
    View loans »
    Philippines Loans Fundraising
  • $69,645,400
    Funds lent in using Kiva
  • 43.3
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $475 helped Josefina to purchase more groceries.
100% repaid
Repayment Term
11 months (Additional Information)
Repayment Schedule
Jul 10, 2013
Jul 26, 2013
Currency Exchange Loss:
May 17, 2014