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Lemilda A. is 41 years old and married to Renato A., who is a 46 year-old tinsmith. They have seven children ranging in age from 6 to 18 years old, who are all going to school. The family lives in the village of Brgy. Rafaela Barrera, Sagay City, Negros Occidental. Lemilda and her husband dream of sending their children to school and when they finish their studies, be gainfully employed in a stable job in the future. That’s why the couple strive so hard to achieve their dreams for their children.

Before she joined NWTF-Project Dungganon, she and her husband already owned a tin shop because her husband was a skilled tinsmith. They made knives, tongs, different kitchen tools and farm equipment. Lemilda assisted her husband in producing some of the products, but she did most of the selling and managed the business. When demand for their products reached a critical point where they needed capital infusion so they could take it to the next level, Lemilda joined NWTF-Project Dungganon so she could borrow the capital to buy more materials to make more products to sell. With the additional capital, their income also increased and because she paid all of the installments on time and paid off the loans within its loan term, Lemilda was able to maintain a good credit record, and still earn an average net income of PHP 15,000 per month.

From the time she and her husband started the business 22 years ago, she has seen a big improvement to it, especially after she joined NWTF-Project Dungganon. To continue the momentum of her business, she borrowed PHP 19,500 on her previous loan to use as revolving working capital for her tin shop. Now she is borrowing the same amount again so that she will have enough working capital to continue buying the necessary materials for the production of the tools and farm equipment that they make and sell to earn their living.

Limilda and her husband Renato are shown in the picture in their tin shop.

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
  • 749
    View loans »
    Philippines Loans Fundraising
  • $63,295,350
    Funds lent in using Kiva
  • 46.7
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $425 helped Lemilda to purchase materials for their tin shop.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Sep 11, 2009
Oct 7, 2009
Currency Exchange Loss:
Apr 15, 2010