A loan of $300 helped to purchase additional sacks of charcoal to sell.


Ruby's story

Ruby is 35 years old and married with six children, five of whom are in school. She works hard to provide for her family.

She runs a buy and sell charcoal business in the Philippines, and requested a PHP 12,000 loan through NWTF to purchase additional sacks of charcoal to sell.

Ruby has borrowed and paid six loans from NWTF before this loan. She has been running the buy and sell charcoal for 10 years, and also earns an income from buy and sell bamboo.

Ruby aspires to save enough money so she could afford to send her children to college.



Loan details


Lenders and lending teams




Loan details