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Daisy N. is 47 years old and a mother of nine children - of which, two are in high school, one is in grade school and the rest are grown. She is married to Reynaldo N., a 52 year-old farmer. Daisy, together with her husband, work hard to earn and provide for the future of her children. The family lives in the village of Sto. Cagay, Brgy. Su-ay, Himamaylan City, Negros Occidental.

Daisy joined NWTF-Project Dungganon in 1991 and testifies that it was through NWTF-Project Dungganon that she has achieved some of her dreams - to be able to send her children to school, have her own business to supplement the income that her husband earns as a farmer, and to have some savings for the future.

She started her business by selling fruits (bananas, etc.), which were delivered by a wholesaler, to their neighbors from a stand set up outside her house. Later, she expanded her product offerings, including groceries and other commodities. Additionally, she raised pigs in her backyard. Her business activities earned about PHP 8,000 per month, which was significant in helping to improve her family's quality of life.

Her previous 8th cycle loan amounting to PHP 14,000. She paid back the loan in full and on-time without any delays in any of the weekly installments. She is now borrowing PHP 16,000 for her 9th cycle loan. She plans to use the money as revolving capital to offer more products in her "sari-sari", also known as a "general store". She intends to use the profits from this loan cycle to pay for her children's tuition and to provide them with their daily allowance.

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
  • 1040
    View loans »
    Philippines Loans Fundraising
  • $63,517,800
    Funds lent in using Kiva
  • 47.7
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $350 helped Daisy to have revolving capital for her general store.
100% repaid
Repayment Term
13 months (Additional Information)
Repayment Schedule
Sep 15, 2009
Sep 19, 2009
Currency Exchange Loss:
Sep 15, 2010