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According to Mrs. Chinita C., a resident of Sitio Magtalisay, Barangay Cervantes, Escalante City, Negros Occidental, it is very hard to raise seven children if you rely solely on just one source of income. With such a large family, it was almost impossible for them to live on just what her husband earned as a fisherman. Many times, her husbands catch was too small to cover even the most basic needs of the family, such as food for the day, much less provide for the education of her children, medicine for when a family member gets sick, and other expenses.

She joined NWTF-Project Dungganon and went into the fish-selling business to supplement her husband's income and make her children's future more secure, because she knew that if she did not take the initiative, her children's future would be in jeopardy.

So, armed with her first loan from NWTF, she started selling her husband's catch, bought fish from some of the other fishermen, and sold them around the neighborhood and around the town for the next 10 years. This business enables her to earn an additional PHP 3,000 for her family.

Now she hopes to expand her business by using her 9th loan of Php 15,000 as additional capital so that she can buy a bigger volume of fish from the local fishermen to sell to her growing number of loyal clients.

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
  • 1454
    View loans »
    Philippines Loans Fundraising
  • $59,151,425
    Funds lent in using Kiva
  • 48.6
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $325 helped Chinita additional capital for her business.
100% repaid
Repayment Term
13 months (Additional Information)
Repayment Schedule
Aug 7, 2009
Sep 5, 2009
Currency Exchange Loss:
Aug 15, 2010