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Kimberly (Kim) is a 29-year old college undergraduate who lives in Bago City. He belongs to a family of five. His father is unemployed, and his mother is selling vegetables twice a week in the local market with an average income of PHP 3,000.00 per month (USD 68). Kim is a single parent and his 3-year old daughter lives with Kim's partner's family. Kim's two sisters are employed in Manila as Sales Clerks. Kim would help his mother in carrying all the vegetables, aside from doing the cooking and the laundry. Their total monthly family income of PHP 9,000 (USD 204) is barely enough to provide for their basic needs. This motivates Kim to find means to help the family have more income, that’s why he braved the selection process of BagoSphere and successfully passed it to qualify for the 2-month training program that could lead to a call center job. Apart from helping his family, Kim also dreams of finishing his studies. Your generosity in funding his loan will help Kim have a better life.

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
  • 389
    View loans »
    Philippines Loans Fundraising
  • $70,831,400
    Funds lent in using Kiva
  • 43.4
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $425 helped Kimberly to pay for tuition for a 2-month call center training program that can get him a job paying about $270 monthly.
100% repaid
Repayment Term
17 months (Additional Information)
Repayment Schedule
Aug 4, 2014
Jul 31, 2014
Currency Exchange Loss:
Jan 17, 2016