Conchita is a 66-year-old woman from the Philippines who runs a general store. She requested a PHP 22,000 (USD 475) loan through NWTF to purchase more grocery items to sell in her store. Conchita has been running her store for 32 years and previously received funds through Kiva. She will use a second, larger loan of PHP 33,000 (USD 550) to purchase additional grocery items to sell and expand her business. While microloans can help people start businesses, they should be one of several financial tools offered to give borrowers options.