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Elizabeth is a 36-year-old married woman who lives in the village of Villacen1, Prk Katilingban, Sagay City, Negros Occidental. She earns her living by buying and selling shoes and ready-to-wear clothes.

Elizabeth’s husband, Renato, helps her run the business. They have two children who are between 10- and 18-years-old. One is in college while the other one is in elementary school. They also help their parents in the business as part of their daily chores.

Elizabeth joined NWTF-Project Dungganon in 1993 in the hope that she would be able to help her husband improve the quality of life for their family. With the help of her loans from NWTF-PD, she has been able to increase their family income by buying and selling shoes and ready-to-wear clothes. Now she earns an average monthly income of PHP 25,000 from her business activities.

Elizabeth is a member of good standing. Her previous loan of PHP 30,000 was used to fund operations for her business and had a positive impact in both the business and the family’s living conditions. Now, she is borrowing PHP 29,000 for her thirteenth cycle loan, which she intends to use for her business. Elizabeth 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 "Dungganon" (a Hiligaynon word that means "Honorable"). Through the alleviation program, NWTF is empowering these women to progress from 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 bestowed on 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
  • 1943
    View loans »
    Philippines Loans Fundraising
  • $61,098,225
    Funds lent in using Kiva
  • 46.0
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $650 helped Elizabeth additional working capital.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Dec 4, 2009
Dec 14, 2009
Currency Exchange Loss:
Jul 15, 2010