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Salvina Q. is a 42-year-old married woman who supports her family by engaging in a fishing and fish-vending business. She lives in Brgy Olympia, Bais City, Negros Oriental, with her 39-year-old husband, Joselito. They have three children aged between 6 and 14, all of whom are currently in school.

Salvina has been a member of NWTF-Project Dungganon since 2007 and has improved her living conditions with the help of her loans from NWTF and through her own efforts. By working hard in her fishing and fish-vending business, she is gradually making her family more economically stable. She now earns an average monthly income of 4,000 PHP.

Salvina is now borrowing 10,000 PHP to buy materials for her fishing business and as additional working capital for the business. This will be her fourth loan from NWTF-Project Dungganon. Her previous loan of 10,000 PHP, which she paid off well within its term, was just another step in her journey towards economic freedom. Salvina aspires to elevate her family’s living conditions and 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 from 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 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 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
  • 862
    View loans »
    Philippines Loans Fundraising
  • $63,390,150
    Funds lent in using Kiva
  • 46.5
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $225 helped Salvina to buy additional materials and as working capital.
100% repaid
Repayment Term
13 months (Additional Information)
Repayment Schedule
Apr 29, 2010
Jun 1, 2010
Currency Exchange Loss:
Apr 15, 2011