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Edna C.'s an entrepreneur who values her time - she says that time is gold so she does not waste any of it, if she can do something to earn money to achieve her dream faster. She is a 50-year-old widow who lives in the town of Valladolid, Negros Occidental. She has one big long-term dream and several smaller ones. Her biggest dream is to be able to renovate her house, improve her living standards and help her granddaughter afford higher education.

Her smaller, and maybe more immediate dream, is to be able to buy a tricycle (a motorcycle with a side car for passengers or goods) so that she can easily travel from town to town in pursuit of her business. Edna, or "Nanay Edna" (Mother Edna) as most people call her, has an ambulatory business selling fruits in different towns during their market day. She is so focused on her goals that she does not mind the rain or the heat of the sun if her efforts bring her one step nearer to the achievement of her dreams.

Nanay Edna joined NWTF-Project Dungganon in 2006 to increase the volume of fruits she offers for sale – in effect also increasing her income potential. She now earns an average monthly income of 10,000 pesos for her tireless efforts. She is very prompt in her payments, and follows all the rules, depositing her payment in the bank a day before the scheduled weekly NWTF-PD Center meeting. She pays directly to the bank to avoid any untoward incidents.

For her previous loan, she got 19,500 pesos which was quite a lot of capital for her, but she was able to fully pay her loan on time and within the term set. This time around, for her ninth loan cycle, she has requested the same amount, 19,500 pesos, to be used to purchase additional inventory and for working capital for her business. Income from the business will be used for house improvements.

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 realities surpassing their dreams. They have learned to live a life that 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
  • 1107
    View loans »
    Philippines Loans Fundraising
  • $63,443,275
    Funds lent in using Kiva
  • 47.2
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $425 helped Edna to purchase additional inventory and for working capital.
100% repaid
Repayment Term
5 months (Additional Information)
Repayment Schedule
Sep 16, 2009
Oct 1, 2009
Currency Exchange Loss:
Jan 15, 2010