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Annabel L. is a married woman who lives in Sitio Toril, Bocana, Ilog, Negros Occidental. She earns her living by operating two business ventures: a small pharmacy and a Nipa business. Her husband Gilbert, who is 48 years old, works as a driver to earn his living and also helps in his wife's business activities. They have two children who are 24 and 26 years old.

Annabel joined NWTF-Project Dungganon in 2001 because she aspired for something better for her family. With the help of her past ten loans from NWTF-Project Dungganon, Annabel has been incrementally lifting her family out of poverty. Her previous loan of PHP 22,000 helped her earn a monthly profit of PHP 5,000, thus raising the family's standard of living. This time, for her 11th cycle loan, she is borrowing PHP 26,000 which she intends to use to purchase more stock to sell so that she could continue to save up for her family's future and for improvements in their house.

Annabel L. 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 to a member of a community who has earned the respect through a lifetime of hard and honest work.

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
  • 1148
    View loans »
    Philippines Loans Fundraising
  • $63,466,825
    Funds lent in using Kiva
  • 43.8
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $600 helped Annabel to purchase more stock to sell.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Sep 20, 2010
Oct 6, 2010
Currency Exchange Loss:
Oct 15, 2011