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Carol R. is a 55-year-old married woman who lives in Barangay Manalungon of Santa Catalina in the province of Negros Oriental. She earns her living by vending fish and operating a general store business.

Carol’s husband Edmund is 55 years old and a fisherman. They have three children, two who help their father in his fishing business. Both Carol and her husband dream to improve their living conditions and to sustain the needs of her family.

Carol R. joined NWTF-Project Dungganon in 2003 to help her husband improve the quality of life of their family. With the help of her loans from NWTF-PD she has been able to increase their family income. Now she earns an average monthly income of Php 5,000 from her business activities.

Carol R. is a member of good standing. Her previous loan of Php 5,000 was used to fund operations of her fish vending, and it had a positive impact in both the business and the family’s living conditions. Now she is borrowing for her 12th loan, the amount of Php 10,000, which she intends to use to buy supplies for her fish vending and general store. Carol 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 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
  • 495
    View loans »
    Philippines Loans Fundraising
  • $50,998,450
    Funds lent in using Kiva
  • 46.2
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $225 helped Carol to use as additional working capital for her fish vending business.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Jan 20, 2010
Jan 25, 2010
Currency Exchange Loss:
Aug 15, 2010