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Elsie
Elsie N. is a single woman who lives in Sitio Mambucog, Brgy. Zone 16, Talisay City, Negros Occidental. She earns her living by operating two business ventures: a general store and being a cosmetics agent.

Elsie joined NWTF-Project Dungganon in 2007 because she aspired for something better for her family. With the help of her past four loans from NWTF-Project Dungganon, Elsie 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 7,600, uplifting the family's standard of living.

This time, for her fifth loan, she is borrowing PHP 11,000, which she intends to use as additional working capital for her general store and cosmetic-sales business so that she can continue to save up for future home repairs and expansion of her business.

Elsie N. 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 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

  • $7,000
    Average annual income
  • 1101
    View loans »
    Philippines Loans Fundraising
  • $57,777,750
    Funds lent in using Kiva
  • 43.3
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $275 helped Elsie purchase more stock of goods to sell.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Oct 8, 2010
Listed
Oct 19, 2010
Currency Exchange Loss:
Possible
Ended:
May 15, 2011