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Florentina C. is a 43-year-old married woman who lives in Fatima Village, Barangay Riza, San Carlos City. She earns her living as a wholesaler and retailer of Pepsi products, running a general store, and renting out gowns and accessories.

Florentina’s husband, Escolastico, is a Pepsi sales agent and they have four children who are between 20 and 26 years old. Two of their children are already working and the two younger children are currently going to school and also help their parents in the business as part of their daily chores.

Florentina joined NWTF-Project Dungganon in 1998 in 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 income with the earnings from her three businesses. Now she earns an average monthly income of Php 19,600 from her business activities.

Florentina is a member of good standing. Her previous loan of Php 17,000 was used to fund operations of her businesses and it had a positive impact on both the businesses and the family’s living conditions. Now she is borrowing Php 20,000 for her 17th loan which she intends to use as working capital for her businesses.

Florentina 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
  • 712
    View loans »
    Philippines Loans Fundraising
  • $63,241,750
    Funds lent in using Kiva
  • 46.5
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $450 helped Florentina to use as additional working capital for her businesses.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Jan 20, 2010
Feb 6, 2010
Currency Exchange Loss:
Aug 15, 2010