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Fedencia M. lives in Palao1, Brgy. Balintawak, Escalante City, Negros Occidental. She is 60 years old and married to Hermigeldo M., who is a fisherman. The couple have 15 children who range in age from 13 to 42 years old. The older children already have their own families and live separately from their parents, while the single adult kids who still live at home help with the family expenses. Most of the younger children still go to school.

Fedencia herself could not believe that she could raise 15 children, but she said that they did all this with God’s help and their own tireless efforts, patience, perseverance and most of all, love. Now, even at 60, she continues her business pursuits in the hope that she can provide a good future for her younger children.

When they first started life together, Fedencia was well aware that her husband had no fixed income and that their livelihood solely relied on the fish he caught each day. As their family grew, Fedencia realized that she had to contribute to the family income, so she started a small general store adjacent to their house. Her business helped a lot in defraying their household costs, which was why Fedencia thought of expanding her operations so that she could increase her income potential. The need for additional capital moved her to join NWTF-Project Dungganon, a Kiva partner, in 2005.

The additional capital allowed her to earn more than her previous income and the store now earns a minimum monthly income of 2,000 Philippine pesos. Also, with the additional income, she was able to raise livestock, which she sold for additional profits.

For her previous loan, she borrowed PHP 18,000 to purchase additional stock for her general store. This time around, she is borrowing PHP 20,000 for her seventh loan cycle with NWTF-Project Dungganon so that she can consistently purchase new stock when her store’s inventory is depleted. She is determined that, while she is able, she will continue working until all of her children are either gainfully employed or established in their own livelihoods.

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
  • 1598
    View loans »
    Philippines Loans Fundraising
  • $60,713,650
    Funds lent in using Kiva
  • 47.0
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $450 helped Fedencia additional capital for her general store.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Oct 30, 2009
Nov 25, 2009
Currency Exchange Loss:
Nov 15, 2010