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Jasmin A. lives in Brgy 3, Hinigaran, Negros Occidental. She is 46 years old and married. She has five children, two of whom have already graduated from college as nurses. She is working hard for the future of her three remaining children whom they continue to send to school.

Jasmin started her business by baking foods like pastries and cakes. It is a trade she learned years ago and discovered that she has the knack for. She started selling these foods to her community and other neighboring villages. She also accepted orders for her baked goods. But in the year 2001, she needed additional capital to buy ingredients for her business so that she could accommodate all the orders. Luckily, she joined NWTF-Project Dungganon to address her need of additional capital. She was able to buy ingredients so she could meet all her deadlines for the orders.

As her loan continued, she also started a cross-stitch business. With the knowledge she acquired on how to do cross-stitch, she was able to make beautiful, neat and clean products. The new business has contributed to her income. For the two businesses, she is able to earn about $220 a month. She saves most of her income to support the education of her children and the rest is used to support the needs of her family.

A previous loan of 27,000 PHP was used as additional working capital for her baked products and cross-stitch businesses. Because of her success, she was able to maintain her good credit performance with NWTF-Project Dungganon. She was able to pay off the loan in full and on time. Now on her 16th cycle loan, with the same amount of 27,000 PHP, Jasmin will buy additional materials for her cross-stitch and baked goods businesses. Whatever income she gets will be used for the education of her children.

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
  • 1446
    View loans »
    Philippines Loans Fundraising
  • $59,139,250
    Funds lent in using Kiva
  • 46.8
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $600 helped Jasmin to buy materials for her cross-stitch & baking businesses.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Oct 22, 2009
Nov 20, 2009
Currency Exchange Loss:
May 15, 2010