Antonio works as a rice farm laborer. This was his source of income when he and Ninda were married and started their family. Back then with four young children, they found themselves in dire straits living well below the poverty line, sometimes having no food to feed their children. It was then that Ninda became determined to raise her children's quality of life by earning her own income to help her husband support their family.
In 2000, she decided to try her luck and applied to join NWTF Project Dungganon so that she could get good business advice and guidance if she were accepted as a member. She passed all the necessary requirements, and with her first loan she built a sari-sari (general store) adjacent to their house. Once she had saved up enough, she widened the variety of goods she sold in her store. With the help of her income from her general store, Ninda's children were able to go to school and finish their college education. Presently NInda earns a minimum monthly income of 3,750 PHP.
Now Ninda is requesting a loan of 19,500 PHP to purchase additional products to sell in her general store. Her previous loan, also 19,500 PHP, was fully utilized as additional working capital for her general store. She paid her installments every week and fully paid off the loan within its term.
In a world full of challenges, Negros Women for Tomorrow Foundation (NWTF), is making a difference in 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 its alleviation program, these women have progressed from earning less than a dollar a day to achieving realities beyond their dreams. They are on a life path that will ultimately make them Dungganon—a title of esteem that is bestowed upon a member of a community who has earned respect through a lifetime of hard and honest work.
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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 FoundationNegros Women for Tomorrow Foundation, Inc. (NWTF) is a non-governmental organization established with an aim to help 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 women in low-income urban and rural communities.
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Success!! The loan was 100% repaid