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Virginia
Virginia B. is a married woman who lives in Juan Luna, Poblacion, Bayawan City, Negros Oriental. She earns her living by operating two business ventures: a tocino (cured meat) stand and a peanut-butter business.

Her husband Feloteo B., who is 49 years old, works as a general contractor to earn his living. They have five children children who are between 15 and 25 years old.

Virginia joined NWTF-Project Dungganon in 2008 because she aspired for something better for her family. With the help of her past three loans from NWTF-Project Dungganon, Virginia has been incrementally lifting her family out of poverty by the sweat of her brow. By using her previous loan of 10,000 Philippine pesos (PHP) as additional capital, she was able to increase her monthly profit to PHP 15,000, uplifting the family's standard of living.

This time, for her fourth loan cycle, she is borrowing PHP 13000, which she intends to add to her working capital for her businesses so that she can continue to save up for their future household expenses and for the education of their children. Virginia B. is a Dungganon (a Hiligaynon word that means "honorable") 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. 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 respect through a lifetime of hard and honest work.

Help NWTF in its mission to help the poorest in the Philippines by joining the NWTF Kiva lending team on Kiva.org.

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
  • 1230
    View loans »
    Philippines Loans Fundraising
  • $57,844,575
    Funds lent in using Kiva
  • 46.3
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $300 helped Virginia additional working capital.
100% repaid
Repayment Term
11 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Jun 18, 2010
Listed
Jul 18, 2010
Currency Exchange Loss:
Possible
Ended:
Apr 15, 2011