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Lorena M. is a married woman who lives in Calumpang, Poblacion, Cauayan, Negros Occidental. She earns her living by operating two businesses: a general store and fish vending businesses. Her husband Melbert M., who is 41 years old, manages his own business to earn his living. They have two children who are 10 and 13 years old.

Lorena joined NWTF-Project Dungganon in 1997 because she wanted something better for her family. With the help of her past 13 loans from NWTF-Project Dungganon, Lorena has been incrementally lifting her family out of poverty by the sweat of her brow. Her previous loan of 21,500 Philippine pesos (PHP) helped her earn a monthly profit of 10,000 PHP, raising the family's standard of living. This time, for her 14th loan, she is borrowing 25,000 PHP, which she intends to use to stock more things to sell in her general store. She wants to continue to save up for the future security of her family, for her children's education and family needs. Lorena M. 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 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
  • 1597
    View loans »
    Philippines Loans Fundraising
  • $60,711,600
    Funds lent in using Kiva
  • 43.9
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $575 helped Lorena expanding store inventory.
100% repaid
Repayment Term
11 months (Additional Information)
Repayment Schedule
Sep 7, 2010
Sep 24, 2010
Currency Exchange Loss:
Jul 15, 2011