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Erna
Erna V. is a married woman who lives in Prk. 7, Linao, Kabankalan City, Negros Occidental. She earns her living by operating two business ventures: hog raising and swine raising. Her husband, Charlie V., who is 56 years old, works as a hog raiser to earn his living. They have two children who are 26 and 27 years old.

Erna joined NWTF-Project Dungganon in 1999 because she aspired for something better for her family. With the help of her past 20 loans from NWTF-Project Dungganon, Erna has been incrementally lifting her family out of poverty by the sweat of her brow. Her previous loan of PHP 21,000 helped her earn a monthly profit of PHP 14,000, raising the family's standard of living.

This time, for her 21st loan, she is borrowing PHP 21,000, which she intends to use as additional working capital so that she can continue to save up for their future and to improve their living conditions. Erna V. is a Dungganon woman who is following an honorable path toward the achievement of her dreams.

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 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

  • $7,000
    Average annual income
  • 1249
    View loans »
    Philippines Loans Fundraising
  • $57,895,900
    Funds lent in using Kiva
  • 46.5
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $475 helped Erna as additional working capital.
100% repaid
Repayment Term
7 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
May 7, 2010
Listed
Jul 1, 2010
Currency Exchange Loss:
Possible
Ended:
Nov 15, 2010