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Violeta G. is a widow who supports her family through her general store, fish vending and pig fattening businesses. She lives in Sitio Buhian, Brgy. To-oy, Himamaylan City, Negros Occidental with her 8 children who are 23 to 39 years old. Some of her children already have a stable job which is a big help in the family.

She has been a member of NWTF-Project Dungganon since 2004 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, fish vending and pig fattening businesses, she is gradually making her family more economically stable. She now earns an average monthly income of Php 10,000.

Violeta Gavillanes is now borrowing Php 16,000 so that she can use it as additional working capital for her general store, pig fattening and fish vending businesses. This will be her 14th loan from NWTF-Project Dungganon. Her previous loan of Php 22,000, which she paid off within its term, was just another step in her journey towards economic freedom. Violeta aspires to elevate her family’s living conditions and ensure their future well-being by following the “Dungganon” way.

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
  • 691
    View loans »
    Philippines Loans Fundraising
  • $63,147,100
    Funds lent in using Kiva
  • 46.1
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $350 helped Violeta additional working capital.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Feb 26, 2010
Mar 5, 2010
Currency Exchange Loss:
Sep 15, 2010