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Susan M. is a 48-year-old married woman who lives in Talusan, Sagay City, Negros Occidental. She earns a living by running a fishing operation. Her husband, Abundio, is 55 years old and a fisherman by trade. They have seven children, all of whom are adults.

Susan joined Kiva partner, NWTF-Project Dungganon, in 1995 in the hope of helping her husband to improve their family's quality of life. With the help of her loans from NWTF, she has been able to increase the family income by engaging in her fishing business. Now she earns an average monthly income of 10,000 PHP from her business activities.

Susan is a member of good standing. Her previous loan of 19,500 PHP was used to fund the operation of her fishing business, and it had a positive impact on both the business and the family’s living conditions. Now she is borrowing her seventeenth loan, of 19,500 PHP, which she intends to use to buy additional fishing materials. Susan 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 the 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 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
  • 1858
    View loans »
    Philippines Loans Fundraising
  • $61,010,950
    Funds lent in using Kiva
  • 46.0
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $425 helped Susan to buy fishing materials.
100% repaid
Repayment Term
9 months (Additional Information)
Repayment Schedule
Jan 26, 2010
Mar 1, 2010
Currency Exchange Loss:
Sep 15, 2010