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Virginia
Virginia F. is a married woman who lives in Brgy. Lapaz, Bogo City, Cebu. She earns her living by operating a general store business. Her husband Andres F. Jr., who is 60 years old, works as a driver to earn his living. They have two children who are 34 and 38 years old: One is married and the other one is working to help pay for the family's living expenses.

Virginia joined NWTF-Project Dungganon in 2007 because she aspired for something better for her family. With the help of her past five loans from NWTF-Project Dungganon, Virginia has been incrementally lifting her family out of poverty by the sweat of her brow. Her previous loan of 10,000 Philippines pesos (PHP) helped her earn a monthly profit of PHP 10,000, uplifting the family's standard of living.

This time, for her sixth loan, she is borrowing PHP 15,000, which she intends to use to pay for more stock to sell in her general store so that she can continue to save up for the future education of her granddaughter and to set up a machine shop for her husband. Virginia F. is a Dungganon (a Hiligaynon word that means honorable) 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. 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 respect through a lifetime of hard and honest work.

Help NWTF continue its mission to help the poorest in the Philippines by by visiting the NWTF lending team on Kiva 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
  • 1462
    View loans »
    Philippines Loans Fundraising
  • $59,362,100
    Funds lent in using Kiva
  • 43.3
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $350 helped Virginia purchase more stock to sell.
100% repaid
Repayment Term
11 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Oct 6, 2010
Listed
Oct 19, 2010
Currency Exchange Loss:
Possible
Ended:
Aug 15, 2011