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Melania L. is a 59-year-old married woman who lives in Barangay Poblacion 1, Sagay City, Negros Occidental. She earns her living operating her general store and restaurant.

Melania’s husband, Teotimo, helps his wife in running the business. They have seven children: some adults and some of school age. The children who are currently going to school also help their parents in the business as part of their daily chores.

Melania joined NWTF-Project Dungganon in 2000 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 by engaging in her general store and restaurant. Now she earns an average monthly income of Php 10,000.

Melania is a member of good standing. Her previous loan of Php 10,000 was used to fund operations for her general store, and had a positive impact on both her business and on the family’s living conditions. Now she is borrowing Php 19,500 for her 13th loan which she intends to use on the general store and restaurant.

Melania 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 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
  • 304
    View loans »
    Philippines Loans Fundraising
  • $50,697,350
    Funds lent in using Kiva
  • 46.7
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $425 helped Melania to use as additional working capital for her business.
100% repaid
Repayment Term
11 months (Additional Information)
Repayment Schedule
Jan 15, 2010
Feb 9, 2010
Currency Exchange Loss:
Oct 15, 2010