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Ma. Gertrudes
Ma. Gertrudes B. is a 47-year-old married woman who lives in Barangay Capinyahan, Bais City, Negros Oriental. She earns her living by engaging in a general store, pig fattening, and an ambulatory business of ready-to-wear clothes and dry goods. Her 51-year-old husband, Nestor, is a government employee. They have three children who are between 11 and 22 years old. The children are currently going to school and also help their parents in the business as part of their daily chores.

Ma. Gertrudes joined NWTF-Project Dungganon (NWTF-PD) in 2002 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 by engaging in her three businesses. Now she earns an average monthly income of Php 40,000 from her business activities.

Ma. Gertrudes is a member of good standing. Her previous loan of Php 10,000 was used to fund operations of her general store and ambulatory business, and it had a positive impact on both the business and on her family’s living conditions. Now she is borrowing Php 10,000 as her 11th loan, which she intends to use on her general store.

Ma. Gertrudes 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.

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
  • 2086
    View loans »
    Philippines Loans Fundraising
  • $61,189,400
    Funds lent in using Kiva
  • 46.5
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $225 helped Ma. Gertrudes to use as additional working capital for her general store.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
May 6, 2010
Jun 1, 2010
Currency Exchange Loss:
Nov 15, 2010