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Victoria N. is a married woman who lives in Brgy. Sacsac, Dalaguete, Cebu. She earns her living by operating two business ventures: pig fattening and farming businesses. Her husband, Zacarias N., 57 years old, works as a carpenter to earn his living and also helps in his wife's business. They have four children who are 20 to 31 years old.

Victoria joined NWTF-Project Dungganon in 2004 because she hoped for something better for her family. Victoria has been incrementally lifting her family out of poverty by the sweat of her brow and with the help of her past 11 loans from NWTF-Project Dungganon. Her previous loan of 7,000 Philippine pesos (PHP) helped her earn a monthly profit of PHP 6,000; thus, improving the family's standard of living.

This time, for her 12th loan cycle, she is borrowing 15,000 PHP, which she intends to use for her livestock and to purchase fertilizer for farming so that she can continue to save up for future additional capital for her business. Victoria N. is a Dungganon woman who is following an honorable path towards 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 on a member of a 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
  • 1178
    View loans »
    Philippines Loans Fundraising
  • $63,443,275
    Funds lent in using Kiva
  • 46.3
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $325 helped Victoria additional working capital for pig fattening and farming needs.
100% repaid
Repayment Term
15 months (Additional Information)
Repayment Schedule
Jul 8, 2010
Jul 18, 2010
Currency Exchange Loss:
Sep 15, 2011