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Manita V. is a 60-year-old widow who lives in Montilla, Moises Padilla, Negros Occidental. She earns her living by engaging in selling fermented small fish (Ginamos). She also buys and sells livestock.

Manita has seven adult children who are between 24-40 years old. Some of the children have their own families and the others are gainfully employed and help support the needs of the family.

Manita joined NWTF-Project Dungganon in 1998 in the hope that she would be able to help improve the quality of life of their family. With the help of her loans from NWTF-PD, she has been able to increase their family income by engaging in selling of fermented small fish and buy and sell of livestock. Now she earns an average monthly income of PHP 5,000 from her business activities.

Manita is a member in good standing. Her previous loan of PHP 19,500 was used to fund operations of her business activities - selling fermented fish (ginamos) and livestock, and it had a positive impact on both the business and the family’s living conditions. Now she is borrowing PHP 25,000 for her 16th loan, which she intends to use to purchase inventory for her businesses. Manita 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. The photo of Manita was taken after the weekly center meeting.

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
  • 300
    View loans »
    Philippines Loans Fundraising
  • $52,217,850
    Funds lent in using Kiva
  • 44.5
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $575 helped Manita as additional working capital.
100% repaid
Repayment Term
9 months (Additional Information)
Repayment Schedule
Mar 17, 2010
May 1, 2010
Currency Exchange Loss:
Oct 15, 2010