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Emelinda G. lives in the village of Tabao 13, San Enrique, Negros Occidental. Her one big dream is to improve her family's standard of living, to have enough capital to expand her business, and to prepare her four children for a better future. Her dream started to become a reality when she became a member of NWTF-Project Dungganon.

Emelinda is 52 years old and is married to Artimio G., who helps her manage their business. They have four children, aged 22 to 29 years old. Two of their children already have their own families and the other two still live at home -- one works as a seaman and other is a student.

Emelinda and Artimio started out selling pork to retail customers. They bought pigs and had them butchered, and then her husband delivered the pork meat to various meat shops on consignment. This earns them a good living, but they are always on the lookout for other business opportunities, so in 2000 she joined NWTF-Project Dungganon and opened a new business selling spare parts and electronic gadgets.

They continued with their pork retail business, earning a combined monthly income of 10,000 Philippine pesos (PHP). They use their income to support their household expenses and pay for school tuition, and they have some left over for savings. Emelinda had a previous loan of 29,500 PHP, which she used for both her spare parts and her pork retail business. She repaid this loan in full within its loan term and without any delays. She is now borrowing for her 23rd cycle the same amount of 29,500 PHP. She will use this loan as additional working capital and to purchase additional spare parts inventory.

In the accompanying picture, Emelinda is shown in her spare parts and electronics business with her husband in the background.

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 realities beyond their dreams. 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
  • 2065
    View loans »
    Philippines Loans Fundraising
  • $61,219,850
    Funds lent in using Kiva
  • 47.4
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $625 helped Emelinda to purchase additional inventory and use as working capital.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Oct 27, 2009
Nov 1, 2009
Currency Exchange Loss:
May 15, 2010