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Rosela N. is a 56-year old woman who lives in Common Brgy Daan Banua, Kabankalan City, Negros Occidental. She earns her living by running a general store, selling fish and shrimp. Her husband, Jacinto, is 59 and the caretaker of a fish pond. They have four children between 22 and 33 years old. Three of their children are currently employed while the other one just graduated from college.

Rosela joined NWTF-Project Dungganon in 1992 in the hope that she would be able to help her husband 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 with her fish store. She now earns an average monthly income of Php 28,000.

Rosela is a member of good standing. Her previous loan of Php 25,000 was used to fund operations for her fish vending business which had a positive impact on both the business and on the family’s living conditions. Now she is borrowing for her 17th cycle loan, the amount of Php 27,000, which she intends to use on her general store. Rosela is working hard to achieve her dreams and aspirations for her family, which is 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 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 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 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
  • 230
    View loans »
    Philippines Loans Fundraising
  • $52,041,500
    Funds lent in using Kiva
  • 44.4
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $625 helped Rosela additional capital for her businesses.
100% repaid
Repayment Term
7 months (Additional Information)
Repayment Schedule
Apr 8, 2010
May 1, 2010
Currency Exchange Loss:
Oct 15, 2010