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Nothing is impossible when you believe in yourself and you are wiling to work hard, courageously persevere and love what you do. This is what Elsie M. is doing to attain her dreams with the help of NWTF-Project Dungganon.

Elsie is 40 years old, and married to Leonilo, who helps her run their scrap business. They have 4 children who are between 10 and 18 years old. 2 are in college and the younger 2 are in high school and grade school. The family lives in Prk. Kulitis, Barrio Dos Hermanas, Talisay City, Negros Occidental. It is one of Elsie's most cherished dreams that her children be able to finish college and have their own stable and comfortable livelihoods when they grow up.

Concerned for her children's future, Elsie joined NWTF Project Dungganon in 2002 so that she could increase her capital in their scrap business. With the added buying capability, she was able to buy back more recyclables like scrap iron, bottles, plastic, etc. Now she is earning approximately PHP 30,000 per month from her business operations.

From this she was able to buy a motorcycle and a small pickup truck for faster delivery of her scrap materials. She has also happily set aside some amount for her children's education.

Elsie's previous loan of PHP 15,000 was used as revolving capital for her scrap business and now that she's paid that off, she is borrowing the same amount so that she could continue maintaining her scrap buyback levels and be able to sell the scrap in volume, earning a neat profit.

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

This loan is part of NWTF's green loan program, which helps clients to gain access to environmentally friendly products that reduce pollution in the Philippines.

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
  • 1864
    View loans »
    Philippines Loans Fundraising
  • $61,075,150
    Funds lent in using Kiva
  • 47.0
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $325 helped Elsie additional Working Capital.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Nov 11, 2009
Dec 1, 2009
Currency Exchange Loss:
Apr 15, 2010