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Florigen N. is a married woman who lives in Ponta Tagda Zone 5, Brry. Tagda, Hinigaran, Negros Occidental. She earns her living by operating a dried fish business. Her husband, Felomino N., is 46 years old and works as a fisherman to earn his living. He also helps with his wife's business activities. The couple has four children who are 19 to 28 years old.

Florigen joined Kiva partner, NWTF-Project Dungganon, in 2000 because she aspired to something better for her family. With the help of her past 17 loans from NWTF-Project Dungganon, Florigen has been gradually lifting her family out of poverty by the sweat of her brow. Her previous loan of 49,500 PHP helped her earn a monthly profit of 30,000 PHP, thus raising her family's standard of living.

This time, for her 18th loan, she is borrowing 50,000 PHP, which she intends to use to buy more dried fish to resell so that she could continue to save up for the future expansion of her business and have savings for future use. Florigen 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 the community who has earned respect through a lifetime of hard and honest work. Help NWTF continue its mission to help the poorest in the Philippines by joining the NWTF Kiva lending team on Kiva.

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
  • 1855
    View loans »
    Philippines Loans Fundraising
  • $61,075,150
    Funds lent in using Kiva
  • 43.9
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,150 helped Florigen to buy more dried fish for resale.
100% repaid
Repayment Term
5 months (Additional Information)
Repayment Schedule
Sep 15, 2010
Sep 27, 2010
Currency Exchange Loss:
Jan 15, 2011