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Natividad's Group
In this Group: Natividad
Natividad B. is a widowed woman who supports her family by operating a general store and retailing gasoline in her community. She lives in Sitio Tayap, Brgy Patag, Silay City Negros Occidental with her 5 children who are 32 to 41 years old.

She has been a member of NWTF-Project Dungganon since October 2003 and has improved her living conditions with the help of her loans from NWTF and through her own efforts. By working hard in her general store and gasoline retail business, she is gradually making her family more economically stable. She now earns an average monthly profit of Php 5,000.

Natividad is asking for a loan of Php 29,000 so that she can sustain the working capital needs of her general store and gasoline retailing business. This will be her 15th loan from NWTF-Project Dungganon. Her previous loan of Php 26,000, which she paid off well within its term was just another step in her journey toward economic freedom. Natividad aspires to elevate her family’s living conditions and ensure their future well being.

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 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.

This is a Group Loan

In a group loan, each member of the group receives an individual loan but is part of a larger group of individuals. The group is there to provide support to the members and to provide a system of peer pressure, but groups may or may not be formally bound by a group guarantee. In cases where there is a group guarantee, members of the group are responsible for paying back the loans of their fellow group members in the case of delinquency or default.

Kiva's Field Partners typically feature one borrower from a group. The loan description, sector, and other attributes for a group loan profile are determined by the featured borrower's loan. The other members of the group are not required to use their loans for the same purpose.

About Philippines

  • $7,000
    Average annual income
  • 1851
    View loans »
    Philippines Loans Fundraising
  • $60,929,450
    Funds lent in using Kiva
  • 46.3
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A portion of Natividad's Group's $650 loan helped a member additional working capital.
100% repaid
Repayment Term
16 months (Additional Information)
Repayment Schedule
Jan 25, 2010
Mar 8, 2010
Currency Exchange Loss:
Sep 15, 2010