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Carmelita
Carmelita P. earns her living by candy making. She is a 53-year-old married woman who lives in Brgy Talubangi, Kabankalan City, Negros Occidental. Carmelita’s husband, Armando, 55 years old, helps run the business by delivering the finished product to a local market and other general stores. They have three children who are between 23 and 27 years old: two of them work and one already has a family.

Carmelita joined NWTF-Project Dungganon in 2003 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 their family's income by making candy. Now she earns an average monthly income of 54,000 Philippine pesos (PHP) from her business activities.

Carmelita is a member in good standing. Her previous loan of 19,000 PHP was used to fund the operations of her candy business, and it had a positive impact on both the business and the family’s living conditions. Now she is requesting her 17th loan, in the amount of 20,000 PHP, which she intends to use making candy. Carmelita 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 from 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 on a member of a community who has earned 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
  • 336
    View loans »
    Philippines Loans Fundraising
  • $50,801,300
    Funds lent in using Kiva
  • 46.3
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $450 helped Carmelita additional working capital for a candy business.
100% repaid
Repayment Term
7 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Feb 4, 2010
Listed
Feb 12, 2010
Currency Exchange Loss:
Possible
Ended:
Aug 15, 2010