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Erlinda C. is a 50-year old married woman who lives in Brgy Binicuil Kabankalan City, Negros Occidental. She is the mother of the cashier at the NWTF-Project Dungganon Kabankalan Branch. She earns her living by running a general store and by selling bananas, charcoal, and rice at retail prices.

Erlinda’s husband Roberto, is 51 years old and drives the truck that came also from Project Dungganon as an asset loan. They have eight children who are between 17 and 32 years old. Two of the children are currently going to school and also help their parents in the business as part of their daily chores, five have their own families and one is single and works to help support the family.

Erlinda C. joined NWTF-Project Dungganon with the hope that she would be able 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's income by selling bananas, charcoal, and rice at retail prices and by running a general store. Now, she earns an average monthly income of Php 60,000 from her business activities.

Erlinda C. is a Project Dungganon member of good standing. Her previous loan of Php 26,000 was used to fund operations of her retail business selling bananas, charcoal, and rice, and her general store. Her business activities had a positive impact on both the business and the family’s living conditions. Now she is borrowing her 17th loan, in the amount of Php 29,500, which she intends to use to restock her general store and to buy bananas, charcoal, and rice that she resells. Erlinda C. is working hard to achieve her dreams and aspirations for her family, which are 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
  • 1938
    View loans »
    Philippines Loans Fundraising
  • $61,100,300
    Funds lent in using Kiva
  • 46.5
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $650 helped Erlinda to restock her store.
100% repaid
Repayment Term
9 months (Additional Information)
Repayment Schedule
Jan 26, 2010
Jan 26, 2010
Currency Exchange Loss:
Sep 15, 2010