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Mrs. Erlinda B. of Purok Pasil, Barangay Zone 1, Cadiz City, Negros Occidental, is 58 years old and married and with nine children, seven of whom are adults and two are still of school age. Raising nine children is a challenging job, and Erlinda knows that she needs to strive hard in helping her husband earn enough to cover the family expenses and to save for their children's future.

With this clear objective, Erlinda knew that the only way was to have her own business. But she needed capital to start, and this is the reason why she joined NWTF-Project Dungganon in 2002.

After getting her first loan from NWTF-Project Dungganon, she started a food-vending business and a coffee shop adjacent to her house. The tasty meals she offered soon became popular in the community and her business continues to flourish. This nets a profit of PHP 5,000 per month, which has helped a lot in covering the family's daily expenses.

Erlinda just repaid the last installment on her 17th loan of PHP 18,000 and now she is applying to borrow PHP 20,000 to invest back into her business. Thus, she will have revolving capital to buy more ingredients for the food she cooks every day so that she can offer a wider variety to her neighbors.

About NWTF:
In a world full of challenges, Negros Women for Tomorrow Foundation, Inc. has answered the call of not just 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 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
  • 1879
    View loans »
    Philippines Loans Fundraising
  • $60,984,950
    Funds lent in using Kiva
  • 48.4
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $425 helped Erlinda to buy more ingredients.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Aug 11, 2009
Sep 10, 2009
Currency Exchange Loss:
Mar 15, 2010