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Mrs. Helen A. lives in the village of Brgy. Cambaog, in the town of Hinigaran, Negros Occidental. She is 43 years old and married with 4 children - the oldest is 23 and the youngest is 14 years old. Her main goal in life is to help her husband raise their family well while striving hard to move them out of poverty.

Before she joined NWTF-Project Dungganon, she thought that this was an impossible dream because how could she expect people to lend her money when she could not offer any collateral as a security for the loan? But she did not lose hope in looking for ways to earn a stable income so that she could send her children to school and sustain the daily needs of her young family. This is why Mrs. A. sought to become a member of NWTF-Project Dungganon when she heard that she could borrow money without any collateral because it was the MFI's objective to empower poor women so that they could have a better future for themselves and their family.

She used her first loan to set up a rice retailing business and now 8 years later it continues to provide well for her family. She profits about PHP 5,000 which she uses to pay the school expenses of her kids, support the needs of the household, and sometimes there is even enough to cover minor house repairs. Her previous loan of PHP 19,000 was her 12th cycle loan from NWTF-Project Dungganon. She used it to invest in a new business venture - raising livestock - and it was a good run; she was able to pay her installments on time and was able to pay off the whole loan without any delay.

Now for her 13th loan cycle, Helen is again borrowing PHP 19,000 which she will invest in her general store and livestock raising business ventures as additional working capital, and she intends to use the income she gains from this to pay for the tuition fees of her children.

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 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
  • 1443
    View loans »
    Philippines Loans Fundraising
  • $59,289,200
    Funds lent in using Kiva
  • 48.3
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $400 helped Helen additional capital to buy and sell rice.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Aug 19, 2009
Sep 16, 2009
Currency Exchange Loss:
Sep 15, 2010