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Josie is 61 years old and married, with seven children. She earns a living by farming rice in the Philippines. Josie has been farming rice for 30 years and earns additional income from selling herbal medicines.

Josie is borrowing 13,000 PHP through NWTF in order to buy fertilizer and other farm supplies. She is working tirelessly toward the attainment of her dream, to save money to expand her business and repair her family's home.

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
  • 318
    View loans »
    Philippines Loans Fundraising
  • $70,648,200
    Funds lent in using Kiva
  • 45.4
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $300 helped Josie to buy fertilizer and other farm supplies.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Jan 28, 2014
Feb 24, 2014
Currency Exchange Loss:
Feb 20, 2015