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Sonia G. lives in the village of Sitio Nasug-ong, Brgy Caradio-an, Himamaylan City, Negros Occidental. She is 64 years old, married to Jorge, and has three adult children. She wants only to continue improving the living conditions of her family through her business and be able to save a portion of her income for the future.

In the past, Sonia already owned a small business that helped in sustaining their family needs and increased the income of the family, especially for their children who were in school. Her business continued and earned, but Sonia wanted to sell additional products in her store for additional income. That's why, in 1995, she joined NWTF-Project Dungganon: to have an additional capital for her general store. She was very thankful for the loans because it contributed more income for her family. From that income, she was able to renovate their house and was able to build a concrete toilet. As her loans got bigger, the business grew and earned a minimum monthly income of 5,000 PHP. This income was used for her household needs and she saved some of it for her future.

Her previous loan of 25,000 PHP was used as an additional working capital for her general store, where she bought different kinds of new products to sell. The loan was paid on a weekly basis, on time, and was fully paid within her loan term with any delay. She maintained her good record with NWTF-PD. Her present loan is for the same amount of 25,000 PHP, which she will use for her general store as an additional working capital.

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
  • 1065
    View loans »
    Philippines Loans Fundraising
  • $63,443,175
    Funds lent in using Kiva
  • 46.3
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $550 helped Sonia additional working capital for general store.
100% repaid
Repayment Term
9 months (Additional Information)
Repayment Schedule
Dec 2, 2009
Dec 11, 2009
Currency Exchange Loss:
Jul 15, 2010