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Josephine
Josephine L. is a 42 year old, married woman who supports her family through her general store. She lives in Brgy Suba, Bayawan City, Negros Oriental with her husband and their 4 children who are aged between 16 and 23.

She has been a member of NWTF-Project Dungganon since 2001 and has improved her living conditions with the help of loans from NWTF and through her own efforts. By working hard in her general store, she is gradually making her family more economically stable. She now earns an average monthly income of Php 15,000.

Josephine is now borrowing Php 25,000 so that she can expand her general store. This will be her 7th cycle loan from NWTF-Project Dungganon. Her previous loan of Php 25,000, which she paid off well within its term, was just another step in her journey towards economic freedom. Josephine aspires to elevate her family’s living conditions and to ensure their future wellbeing 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 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
  • 262
    View loans »
    Philippines Loans Fundraising
  • $53,177,800
    Funds lent in using Kiva
  • 44.9
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $575 helped Josephine to provide additional working capital.
100% repaid
Repayment Term
15 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Mar 17, 2010
Listed
May 1, 2010
Currency Exchange Loss:
Possible
Ended:
May 15, 2011