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Hannah is a 22-year old high school graduate and lives in a rural village in Bago City. She has 5 siblings and 2 of her sisters are teachers at the local elementary school, while another sister is working for a trading company. Their total monthly income is only Php 12,000.00 ($266). Hannah has a partner who works as a lead man in a construction company, and they have a 1-year old daughter. They're staying at her mother's house since she gave birth so she can take care of her parents. Hannah has long seen the need to help her partner but didn’t have the means until she learned about the 2-month training program of BagoSphere that could lead to a call center job. Now that she has passed Bagosphere's selection process, she needs your help to finance her tuition. Once Hannah starts earning, she can help provide her family’s basic needs and save some money for her child’s education.

Additional Information

More information about this loan

This loan offers flexible terms to meet the needs of BagoSphere's students. After students complete training, they are afforded up to a 6-month grace period to secure employment. Students who are able to find call center jobs then repay their loans over the course of 8 months. However, if a student must find alternative employment, BagoSphere will extend the loan term for up to 18 months. By funding this loan you are providing students with the opportunity to receive training, and giving them the flexibility to start employment before beginning loan repayment.

About BagoSphere

BagoSphere is a for-profit social enterprise that provides vocational training in the Philippines to help rural youth prepare for call center jobs. These jobs enable young people to earn far more than they could through unskilled labor, and enable them to save for professional and personal development goals.

Bagosphere uses Kiva capital to extend its “study now pay later” tuition loans program, with 0% interest for students admitted to their program that demonstrate financial need.

About Philippines

  • $7,000
    Average annual income
  • 396
    View loans »
    Philippines Loans Fundraising
  • $70,831,400
    Funds lent in using Kiva
  • 43.9
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $425 helped Hannah to pay for tuition for a 2-month call center training program that can get her a job paying about $270 monthly.
100% repaid
Repayment Term
18 months (Additional Information)
Repayment Schedule
May 26, 2014
Jun 2, 2014
Currency Exchange Loss:
May 17, 2015