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Luz C. is a married woman who lives in Prk. Riverside, Brgy. Guinhalaran, Silay City, Negros Occidental. She earns her living by operating 3 business ventures: a general store, vegetable vending and rice retailing. Her husband Emerlito C., who is 56 years old, helps in his wife's business activities. They have 6 children who are 25 to 40 years old.

Luz joined NWTF-Project Dungganon in 2002 because she aspired for something better for her family. With the help of her past 16 loans from NWTF-Project Dungganon, Luz has been incrementally lifting her family out of poverty by the sweat of her brow. Her previous loan of PHP 20,000 helped her earn a monthly profit of PHP 3500, uplifting the family's standard of living. This time, for her 17th loan, she is borrowing PHP 22,000, part of which she intends to use as working capital for her general store and also to pay off the remaining balance of the multi-cab mini-truck she previously bought on installments and that she uses in her business. She is working hard so that she can continue to save up for the future well-being and security of her family. Luz C. 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 on a member of a community who has earned the respect through a lifetime of hard and honest work. Help NWTF continue its mission to help the poorest in the Philippines by clicking the link to the NWTF Kiva lending team on to join our team.

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
  • 1854
    View loans »
    Philippines Loans Fundraising
  • $61,096,775
    Funds lent in using Kiva
  • 45.4
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $500 helped Luz additonal working capital.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Jul 5, 2010
Aug 2, 2010
Currency Exchange Loss:
Feb 15, 2011