She has been a member of NWTF-Project Dungganon since 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 food vending business, she is gradually making her family more economically stable. She now earns an average monthly income of Php 15,000.
Now Josephine is borrowing Php 25,000 for additional working capital for her food vending business. This will be her 15th cycle loan from NWTF-Project Dungganon. Her previous loan of Php 25,000, which she paid off within its term, was another step in her journey towards economic freedom. Josephine aspires to elevate her family’s living conditions and ensure their future well being.
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.
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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 FoundationNegros 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.
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