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Josefa
Josefa L. is a widow who lives in Hda. Claudio, Poblacion II, Sagay City, Negros Occidental. She earns her living by a food vending business. She has 5 children who are 16 to 32 years old, with 2 of her children having their own families, 1 works and 1 is currently studying.

Josefa joined NWTF-Project Dungganon in 1999 because she aspired for something better for her family. With the help of her past 9 loans from NWTF-Project Dungganon, Josefa has been incrementally lifting her family out of poverty by the sweat of her brow. Her previous loan of PHP 19000 helped her earn a monthly profit of PHP 8000, uplifting the family's standard of living. This time, for her 10th cycle loan, she is borrowing PHP 19000, which she intends to use to purchase of more food to sell so that she could continue to save up for future security of her family and her youngest child's education. Josefa L. 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 to 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 Kiva.org 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 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

  • $1175
    Average annual income
  • 1133
    View loans »
    Philippines Loans Fundraising
  • $54,688,850
    Funds lent in using Kiva
  • 44.2
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $450 helped Josefa purchase more food to sell.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Sep 1, 2010
Listed
Sep 20, 2010
Currency Exchange Loss:
Possible
Ended:
Oct 15, 2011