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ERLINDA U. is 55 years old, married with 6 adult children and a resident of Sitio Sutay, Pontevedra, Negros Occidental.

With such a big family, Erlinda and her husband have tried several business ventures over the years. They mostly farmed their small landholding which was very dependent on the whims of nature. It was not until Erlinda joined NWTF-Project Dungganon in 2001 that they were able to really experience more stability in their financial situation. She used her first cycle loan to start a "Sari-sari" store - the local version of a general store where everyone can buy anything and everything that has a demand within the area - from foodstuff like canned and baked goods to charcoal and kerosene gas for fuel and even some hardware and farm implements. She also went into food vending and even raised a few heads of cattle over the years.

She used her 11th loan from NWTF-Project Dungganon to buy ducklings to raise. It proved to be a good venture to pursue that she invested most of her subsequent loans to this activity, and it now earns her family an additional PHP 2,000.00 per month. Erlinda's last loan of PHP 17,000 was paid off on time, and now she is borrowing PHP 22,000.00 for her 16th cycle loan to purchase more ducklings to raise and sell.

Raising ducks has not only proved to be a profitable activity for Erlinda and her family, the ducks are also very eco-friendly: they provide natural pest control by eating the insects and other pests in the fields, leave organic fertilizer and tamp down the weeds in the rice fields where they feed.

Erlinda hopes that in the future, the business ventures that she and her husband started will be able to support the families of their children, and make life more comfortable.

About NWTF:
In a world full of challenges, Negros Women for Tomorrow Foundation, Inc. has answered the calling of not just of a few but thousands of women. Through the alleviation program, these women have progressed from earning less than a measly $1 a day, to surpassing the realities beyond their dreams. They have learned to live a life where they can finally be called honorable. This is Project Dungganon.

Additional Information

More information about this loan

On Friday November 8, 2013, Super Typhoon Haiyan made its way through Southeast Asia, causing substantial damage to homes and businesses in areas of the Philippines. Given the state of devastation following this storm, borrowers living and working in these areas may have difficulty making repayments on their loans, thus making their Kiva loans higher risk. More information >>

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
  • 1499
    View loans »
    Philippines Loans Fundraising
  • $59,099,150
    Funds lent in using Kiva
  • 48.0
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $475 helped Erlinda ducklings to raise and sell.
100% repaid
Repayment Term
13 months (Additional Information)
Repayment Schedule
Jul 10, 2009
Jul 26, 2009
Currency Exchange Loss:
Jul 15, 2010