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Georgina M. is a 45-year-old married woman who is blessed with three children between 21 and 25 years old. The family lives in the village of Brgy Miranda Hinigaran Negros Occidental. Georgina dreams of giving a proper education to her three children so that someday they will be gainfully employed, and not have to go through the difficulties she experienced in her life, needing to work hard just to survive.

These aspirations make Georgina a strong mother to her children and mobilize her to earn for the future and family by helping her husband earn a living for their family. She started with a small general store adjacent to her house, which helped a lot in supplementing their family income, but as her children grew older, their needs also grew, especially in relation to their education. She also wanted to expand her business and offer her customers a wider range of products. This motivated her to join NWTF-Project Dungganon and that was how she started to expand her business. Now she has an electronic reloading station - selling prepaid load to mobile phone users. Now she earns an average of PHP 10,000 per month.

In her previous loan, she borrowed Php 23,000, which she used as additional capital for her general store and electronic reloading. The said amount was paid within her loan term in full without delays. Now she is borrowing Php 24,000 as additional capital for her general store and to invest in a food vending business.

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 even 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
  • 1396
    View loans »
    Philippines Loans Fundraising
  • $59,123,575
    Funds lent in using Kiva
  • 46.3
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $525 helped Georgina as additional capital for her general store and to start a food vending business.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Oct 16, 2009
Nov 15, 2009
Currency Exchange Loss:
May 15, 2010