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Justina
Justina Q. is a 53-year-old married woman who lives in Brgy Olympia, Bais City, Negros Oriental. She earns her living by fishing, fish vending and pig fattening. Justina’s 55-year-old husband, Wilfredo, is a fisherman, and they have five children who are between 13 and 30 years old. One of their children works as a Loan Officer and is presently assigned in Santander Branch Cebu. Two of the children currently go to school and also help their parents in the business as part of their daily chores.

Justina joined NWTF-Project Dungganon in 1999 in the hope that she would be able to help her husband improve the quality of life for their family. With the help of her loans from NWTF, she has been able to increase her family income by engaging in fishing, fish vending and pig fattening. Now she earns an average monthly income of 9,000 PHP from her business activities.

Justina is a member of good standing. Her previous loan of 18,000 PHP was used to fund the operation of her fishing business, and it had a positive impact in both the business and the family’s living conditions. Now she is borrowing 18,000 PHP for her 14th loan, which she intends to use on fishing, fish vending and pig fattening. Justina 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 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 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
  • 450
    View loans »
    Philippines Loans Fundraising
  • $50,987,450
    Funds lent in using Kiva
  • 46.5
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $400 helped Justina as additional working capital for her businesses.
100% repaid
Repayment Term
13 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Apr 26, 2010
Listed
Jun 1, 2010
Currency Exchange Loss:
Possible
Ended:
Apr 15, 2011