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Jane is a 36 –year old single mother of two and lives in a rural village in Bago City. She belongs to a family of nine. Her father is not working in the farm anymore because of old age, and her mother died a few years ago. Jane has 6 siblings and the older brother works as part time motorcycle driver while the youngest brother is working in a sugarcane plantation as hired helper.
Jane is a sales agent for a health drink company and she’s earning PHP 4,000.00 (USD 91) per month. She gets PHP 5,000.00 (USD 113) monthly financial support from the father of her children, but this is not even enough for her children’s needs. Jane would like to earn more for herself and for her family. Now that she has passed BagoSphere’s selection process, she needs your help to finance her tuition. So she can help her father, provide basic needs for her family, and send her children to school.

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
  • 463
    View loans »
    Philippines Loans Fundraising
  • $69,645,400
    Funds lent in using Kiva
  • 43.4
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $425 helped Jane 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
17 months (Additional Information)
Repayment Schedule
Aug 4, 2014
Jul 31, 2014
Currency Exchange Loss:
Aug 17, 2015