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Delia C. lives in Negros Occidental. She is 58 years old, married and has one child, who is 25 years old. Because of her strong determination to help her husband improve their living conditions, she saved their family from penury at a very critical point in it its past.

Many years ago, Delia and her family lived a comfortable life. In addition to the stable salary that she and her husband earned from working at the biggest sugar mill in the island, Delia also owned and managed a restaurant that catered to and was patronized by the employees in the sugar mill. Then, because of many factors, including a sugar crisis and other economic downturns, the sugar mill closed down and let the majority of its employees go. Delia lost her business as a result.

Fortunately, severance pay from the company allowed Delia to start a small general store, from which she earned her daily income. With her hard work and diligence, Delia was able to recover from their financial downturn and in 2002, joined NWTF-Project Dungganon to access additional capital. With help from this organization, her business continues to grow, and now earns a monthly profit which is a big help in defraying their household expenses.

Delia has taken out and repaid a dozen loans from NWTF-PD. She plans to use this new loan to keep her general store well stocked at all times and continue to earn a good income for her family.

About NWTF:
In a world full of challenges, Negros Women for Tomorrow Foundation (NWTF), is making a difference in the lives of thousands of women through Project Dungganon (a Hiligaynon word that means Honorable). Through the alleviation program, NWTF is empowering these women to progress out of earning less than $1 a day to achieving realities that surpass their dreams. They have taken a life path that will ultimately make them Dungganon - a title of esteem that is bestowed to a member of a community who has earned the respect through a lifetime of hard and honest work.

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
  • 758
    View loans »
    Philippines Loans Fundraising
  • $63,325,000
    Funds lent in using Kiva
  • 47.0
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $875 helped Delia to buy additional inventory for her general store.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Oct 20, 2009
Nov 10, 2009
Currency Exchange Loss:
Oct 15, 2010