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Emelyn C. is a 42-year-old married woman who lives in the village of Brgy Gil Montilla, Sipalay City Negros Occidental. Her business is buying and selling rice, operating a farm shop, a piggery and a restaurant/carenderia.

Emelyn C.’s husband helps her run the business and they have two children who are 17 and 22 years old, respectively. The children are currently going to school and helping their parents run the business as part of their daily chores.

Emelyn C. joined NWTF-Project Dungganon in 1999 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 the family income by maintaining and growing her various businesses. Now she earns an average monthly income of PHP 10,000 from her business activities.

Emelyn C. is a member in good standing. Her previous loan of PHP 29,500 was used to fund the operations of her various businesses, and it had a positive impact in both the business and the family’s living conditions. Now, for her 18th loan, she is borrowing PHP 29,500, which she intends to use for additional working capital and to purchase farm equipment. Emelyn C. is working hard to achieve her dreams and aspirations for her family, which is 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 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
  • 1829
    View loans »
    Philippines Loans Fundraising
  • $60,865,650
    Funds lent in using Kiva
  • 46.4
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $650 helped Emelyn additional working capital and to purchase farm equipment.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Dec 16, 2009
Jan 15, 2010
Currency Exchange Loss:
Jul 15, 2010