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44 year-old Jocelyn J. lives in the village of Brgy Batang, Himamaylan City, Negros Occidental. Her husband, Larry, is a fisherman and they are blessed with 4 children who are between 18 and 24 years old. Her dream is for her children to earn their college degrees and get a good job, so that they can enjoy a comfortable life.

To help her husband achieve this dream, she sold her husband's daily fish catch either within their community or in the nearby villages. Her hard work and perseverance bore fruit so that she needed new capital just to maintain her sales volume. This inspired her to join NWTF-Project Dungganon in 1991 so that she could continuously access new capital for her business.

With new capital, she was able to expand the product lines in her general store; her business activities have been a big help in supporting all of the needs of their family, slowly improving their living conditions. As her business improved, she also engaged in food vending, which she put up in front of her general store. Now she earns about PHP 19,200 per month, which she adds to her revolving working capital and she saves most of her income for the education of her children.

Her previous loan of PHP 29,500 contributed a lot in developing her business and even her performance in NWTF-PD, maintaining her good credit record. The said amount was fully paid on-time without any delay. As Center Chief, her good credit performance makes her a good example to her members. Now in her 19th cycle, she is borrowing the same amount of PHP 19,500 to be used to obtain additional capital for her general store and for the repair of her pumpboat.

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
  • 1074
    View loans »
    Philippines Loans Fundraising
  • $63,436,400
    Funds lent in using Kiva
  • 47.0
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $650 helped Jocelyn to obtain additional working capital for her general store.
100% repaid
Repayment Term
15 months (Additional Information)
Repayment Schedule
Nov 10, 2009
Dec 2, 2009
Currency Exchange Loss:
Jan 15, 2011