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Elma B. is a 69 year old married woman who lives in Prk San Gabriel, Brgy Balingasag, Bago City, Negros Occidental. She earns her living by managing a general store. Elma’s husband, Juanito, helps her run the business and they have 8 children and 14 grandchildren.
Elma joined NWTF-Project Dungganon in 2000 in the hope that she would be able to help her husband improve their family's quality of life. With the help of her loans from NWTF-PD, she has been able to increase their family income by becoming involved in a general store and rice farm. Now she earns an average monthly income of Php 11,250 from her business activities.
Elma is a member of good standing. Her previous loan of Php 10,000 was used to fund her general store's operations and it had a positive impact in both the business and the family’s living conditions. Now, for her 17th cycle loan, Elma is borrowing the amount of Php 19,500, which she intends to use for her general store and rice farm. Elma is working hard to achieve her dreams and aspirations for her family, which is to provide them with a more comfortable life.
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 <i>Dungganon</i> (a Hiligaynon word that means <u>Honorable</u>). 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 <i>Dungganon</i> - a title of esteem that is bestowed to a member of a community who has earned 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
  • 739
    View loans »
    Philippines Loans Fundraising
  • $63,295,350
    Funds lent in using Kiva
  • 46.1
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $425 helped Elma additional working inventory for general store.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Dec 3, 2009
Dec 14, 2009
Currency Exchange Loss:
Jul 15, 2010