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Rosalia Macaro is a 48-year old single woman who lives in the village of Brgy Alimango Escalante City Negros Occidental. She earns her living by fishing. She dreams that her business will continue to help her family and she wants to buy another fishing boat.

Rosalia joined NWTF-Project Dungganon in 2002 to help improve the quality of life of her family. With the help of her loans she has increased her family's income. Now she earns an average monthly income of Php 6,000.

Rosalia is a member in good standing. Her previous loan of Php 17,000 was used to fund operations of her fishing business and it has had a positive impact on her business and family’s living conditions. Now she is borrowing for her 10th cycle loan, Php 17,000, to use on fishing. Rosalia is working hard to achieve her dreams and aspirations for her family; to provide them with a brighter future and 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 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 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.

About Philippines

  • $1175
    Average annual income
  • 364
    View loans »
    Philippines Loans Fundraising
  • $50,851,300
    Funds lent in using Kiva
  • 46.0
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $375 helped Rosalia additional working capital for fishing.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Dec 10, 2009
Dec 14, 2009
Currency Exchange Loss:
Jan 15, 2011