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Ma. Luz
Ma. Luz S. lives in the village of Prk Malipayon, Brgy Sagasa, Bago City, Negros Occidental. She is 48 years old and is married to Jerry S., who works as a farmer. She has 8 children; one already has his own family, and the rest are still attending school. As a mother, she would like to secure the future of her children by making sure that they have very good jobs and enough earnings to support the needs of their own families when they decide to settle down.

Ma. Luz got married at only 19 years old because she wanted to be free of her parents' strictness. When she had her own family, she encountered a lot of hardships and problems on how to cope with their daily living. She knew that her husband's income as a farmer was not enough for them. When their first baby was born, Ma. Luz tried other ways to earn other income like putting up a small general store at the front of her house while raising ducks in her backyard. In spite of the additional business, they still encountered problems; still, they persevered.

In 2001 Ma. Luz was able to join NWTF-Project Dungganon, which gave her additional capital for their business. With the loan, she was able to buy additional ducks to raise so that she could then sell the eggs to their neighbors. As loans continued, she learned how to handle her money. She was also able to invest in pig fattening, acquire a farmland and buy a water buffalo for their farm. Twenty six years later, Ma.Luz is more knowledgeable on how to manage her businesses. She now earns PHP 10,000 per month. Most of the profit is put in a savings account to support the education of their children and to help with the family expenses.

For her previous loan, Ma. Luz borrowed PHP 13,000. Said loan was paid in full and on time. Now, while on her 18th cycle, she is asking for a loan of PHP 15,000. She will use the money to buy additional ducks to raise and egg trays for the delivery of eggs. The resulting income will be used to improve her family's living conditions, pay for her children's education and renovate her house.

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
  • 869
    View loans »
    Philippines Loans Fundraising
  • $63,374,250
    Funds lent in using Kiva
  • 46.7
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $325 helped Ma. Luz purchasing additional ducks to raise.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Oct 27, 2009
Nov 21, 2009
Currency Exchange Loss:
May 15, 2010