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Merlita A. is a 52-year-old married woman who lives in Brgy. Lakawon, Cadiz City, Negros Occidental. She makes her living from her general store.

Merlita lives with her husband Armando and their two children who are 10 and 21 years old. The children are currently going to school and also help their parents in the business as part of their daily chores.

Merlita joined NWTF-Project Dungganon in 2005 in the hopes 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 with her general store. Now she earns an average monthly income of 8,000 Philippine pesos (PHP) from her business activities.

Merlita is a member in good standing. Her previous loan of 29,500 PHP was used to fund the operations of her general store, and it had a positive impact in both the business and the family’s living conditions. Now she is borrowing for her 12th cycle loan, in the amount of 29,500 PHP, which she intends to use on her general store. Merlita is working hard to achieve her dreams and aspirations for her family, which is 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
  • 1639
    View loans »
    Philippines Loans Fundraising
  • $60,717,100
    Funds lent in using Kiva
  • 46.5
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $650 helped Merlita additional capital for general store.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Jun 17, 2010
Jul 12, 2010
Currency Exchange Loss:
Jan 15, 2011