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Elsa is 44 years old and married with five children.

She earns a living by farming rice in the Philippines. Elsa is borrowing PHP 10,000 through NWTF to buy fertilizers and other farm supplies.

Elsa has been farming rice for 5 years, and earns additional income from buy-and-sell charcoal.

She is working tirelessly toward the attainment of her dream: to save enough money so she can send her children to school.

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
  • 452
    View loans »
    Philippines Loans Fundraising
  • $69,718,725
    Funds lent in using Kiva
  • 43.3
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $250 helped Elsa to buy fertilizers and other farm supplies for her rice farm.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Sep 20, 2013
Oct 10, 2013
Currency Exchange Loss:
Apr 16, 2014