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Mary Joy
She is a young mother of four children, two boys and two girls between 1 and 12 years old, who is determined to improve their lives. Her name is Mary Joy P.. She is 32 years old and married to Lino P., who helps her run their native delicacies business. They live in the village of Tabao Rizal, San Enrique, Negros Occidental.

To achieve her dreams, she and her husband make and sell native Ilonggo rice and coconut-based sweets like “Bayi-bayi” and “ Kalamayhati” in their community and other neighboring towns. Mary Joy helps her husband pack and deliver the finished products to their regular customers. They also deliver in large quantities to several retailers located at the pier on a consignment basis.

A normal day in the P. household starts before dawn with the production of the Bayi-bayi and Kalamayhati, which are both made of rice flour, brown sugar and coconut milk. By 6:00 AM all of the sweets are individually wrapped and ready to be delivered. After making the deliveries, they buy new ingredients and set up everything for the following day's routine.

Mary Joy is quite happy that many people find their sweets delicious and they now have many regular and loyal customers. She is able to supply all of the volume demanded of her product. But this was not the case in 2003 when she joined NWTF-Project Dungganon. Her product was becoming more popular each day but she realized that her capital was just not enough to buy all of the ingredients to make their delicacies. After she became a PD member, she was able to expand her business with each succeeding loan, which also increased in value as she proved her good credit record. Now her rolling capital allows her to earn at least PHP 20,000 income per month, which is a big help towards gradually achieving her dreams for her family.

She previously borrowed PHP 27,000 as additional working capital for her food vending business. She paid her all her weekly installments and fully paid her accounts in her specified loan term. Now she is borrowing for her 10th cycle loan the PHP 19,500 to purchase additional ingredients and working capital. The income from it will be used to improve and expand her business.

In the accompanying picture, Mary Joy is posing with a big batch of newly made "bayi-bayi" that has not yet been formed into tiny cakes and individually wrapped.

About NWTF:
In a world full of challenges, Negros Women for Tomorrow Foundation, Inc. has answered the calling 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 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 women in low-income urban and rural communities.

About Philippines

  • $1175
    Average annual income
  • 356
    View loans »
    Philippines Loans Fundraising
  • $50,957,200
    Funds lent in using Kiva
  • 46.2
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $425 helped Mary Joy to purchase more ingredients and as working capital.
100% repaid
Repayment Term
7 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Oct 6, 2009
Listed
Oct 15, 2009
Currency Exchange Loss:
Possible
Ended:
Apr 15, 2010