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Jernet is 18 years old and is first of four children in her family. Her mother Janet, who is a member of NWTF, supports the family through her general store business in the Philippines.

Jernet is studying to attain a Bachelor of Science in Secondary Education and is currently in the second year of this four year course.

Jernet is borrowing 6,000 PHP to pay tuition fees for the first semester of the 2014 school year.

When she graduates, Jernet plans to be gainfully employed.

Additional Information

More information about this loan

This loan is part of NWTF’s higher education program, designed to serve students who otherwise would not be able to attend college. Under the program, children of existing NWTF microfinance clients are able to take a loan to support their college education or technical/vocational training. Following graduation, the student may have better opportunities that ultimately benefit the entire family.  NWTF has designed this loan product to have a lower interest rate than typical microfinance loans.

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
  • 335
    View loans »
    Philippines Loans Fundraising
  • $70,740,900
    Funds lent in using Kiva
  • 43.8
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $150 helped Janet to pay tuition fees for her daughter.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
May 30, 2014
Jun 10, 2014
Currency Exchange Loss:
Dec 17, 2014