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44 year-old Reylene V. works hard to help her husband Herman meet their family's needs. Herman earns a living by driving a motorcycle and shuttling people around town for a fee.

Reylene appreciated how much her husband worked hard and sacrificed for their family but she knew that she had to contribute to their family income if she wanted her 2 children to have the opportunities that she aspired for them - to finish college and have stable jobs or be established in their own livelihoods.

She decided that a general store that sold a variety of household necessities would be a good business for her, and she was quite successful in this venture.

But as the inventory turnover increased because of the higher demand for her goods, she realized that she had to get more capital because it was not practical or economical for her to replenish her inventory every time an item ran out of stock.

She needed additional capital so that she could buy higher quantities of the items that are in high demand. This is why she joined NWTF-Project Dungganon in 2003.

With access to additional capital, she was able to increase her income capacity and slowly started to realize some of her dreams. She is now secure that she could afford her children's education and the monthly net income of 7,000 PHP from her business operations is a big help to making their life a little bit more comfortable.

With this higher income she has been able to purchase 2 additional motorcycles so that it also earns an additional income for the family.

Reylene previously borrowed 25,000 PHP which she used as revolving capital for her general store. When she paid it off, she applied for a new loan, and now she wants to borrow 27,000 PHP so that she can sustain the optimum inventory levels in her general store, and also do repair and maintenance work on the motorcycles.

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
  • 1814
    View loans »
    Philippines Loans Fundraising
  • $60,866,650
    Funds lent in using Kiva
  • 47.1
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $575 helped Reylene additional working capital for general store & motorcycle repair.
100% repaid
Repayment Term
11 months (Additional Information)
Repayment Schedule
Nov 16, 2009
Nov 26, 2009
Currency Exchange Loss:
Sep 15, 2010