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Going into business on your own is sometimes tough it but can also provide a good living if you are patient, determined, and stay focused on the finish line, which is the achievement of your dream. This is what Margionila D. believes and has experienced as a micro-entrepreneur. She is now 58 years old and married with five children who are between the age of 9 and 33. The family lives in the village of Purok Flower, Barangay Cervants, Escalante City, Negros Occidental.

Because of her ambition to provide a good future for her five children, Margionila put up a general store to help her husband support their family. At first she only sold basic household commodities because of the fast turnover of these products. For several years, she continued to just rotate her capital, putting most of the profits back into the business after using just a small portion for the education of her children. But later, she knew she needed to expand her business to earn more because her family's needs was also growing.

This is the reason why Margionila joined NWTF-Project Dungganon: so that she could have additional capital; so that she could earn more and afford to send her children to college. In spite of the ups and downs in her business, she was relentless in her struggle to sustain her children's education and, when the older kids graduated and started earning their own living, she was able to breathe more freely, but she did not stop working.

With the help of her loans from NWTF-Project Dungganon, Margionila was able to buy a motorized fishing boat which earns additional income for her. The daily catch, whether it is fish or crabs, is usually sold in the local market or bought by her regular customers.

The previous loan of PHP 19,500 that Margionila borrowed was used for her fishing business. She was able to pay it off on time without any delays in the weekly installments. This time, she is only borrowing PHP 6,000 for her 13th loan because she only needs this much additional capital for her general store, as she anticipates that because it is going to be off-season for the sugar industry in the coming months.

Margiolina is shown in the picture posing in her motorized fishing boat.

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
  • 1598
    View loans »
    Philippines Loans Fundraising
  • $60,711,600
    Funds lent in using Kiva
  • 47.5
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $150 helped Margionila to use as additional capital for her general store.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Sep 15, 2009
Oct 3, 2009
Currency Exchange Loss:
Apr 15, 2010