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Terencia V. is a 58-year-old married woman who supports her family by engaging in a food-vending business and in tailoring. She lives in Brgy. Banhigan, Dalaguete, Cebu City with her husband Lamberto and their four children, who are 21 to 37 years old. Three of their children have their own families, while one is working.

She has been a member of NWTF-Project Dungganon since 2002 and has improved her living conditions with the help of her loans from NWTF and through her own efforts. By working hard in her food-vending and tailoring businesses, she is gradually making her family more economically stable. She now earns an average monthly income of 6,000 Philippine pesos (Php).

Terencia is now borrowing Php 18,000 so that she can continue her food-vending business and have additional working capital. This will be her 11th loan cycle from NWTF-Project Dungganon. Her previous loan of Php 18,000, which she paid off well within its term, was just another step in her journey toward economic freedom.

Terencia aspires to elevate her family’s living conditions and ensure their future well-being by following the “Dungganon” (a Hiligaynon word that means honorable) 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. 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
  • 685
    View loans »
    Philippines Loans Fundraising
  • $63,194,275
    Funds lent in using Kiva
  • 46.1
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $400 helped Terencia additional working capital for food vending.
100% repaid
Repayment Term
11 months (Additional Information)
Repayment Schedule
Jun 10, 2010
Jul 12, 2010
Currency Exchange Loss:
Apr 15, 2011