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As a married parent of three children, Gemma works hard to support her family. She runs a fishing business in the Philippines and also earns additional income from raising pigs. Gemma has been sustaining her business activities through her past 22 loans from NWTF.

Gemma is requesting a 29,000 PHP loan through NWTF to buy additional materials such as fishing nets and other items for her business. She hopes that her hard work will help her attain her dream of saving enough money to 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
  • 360
    View loans »
    Philippines Loans Fundraising
  • $70,667,525
    Funds lent in using Kiva
  • 44.6
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $675 helped Gemma to buy fishing nets and other items.
100% repaid
Repayment Term
13 months (Additional Information)
Repayment Schedule
Apr 11, 2014
Apr 26, 2014
Currency Exchange Loss:
Apr 18, 2015