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Arlyn T. lives in Kalumboyan, Bayawan City, Negros Oriental. She earns her living by operating two business ventures: farming and selling rice. Her common-law husband Mario Magbanua, who is 44 years old, works as a farmer to earn his living and helps in his wife's business activities. She has three children who are 3 to 6 years old. Arlyn joined NWTF-Project Dungganon in 2008 because she aspired for something better for her family. With the help of her past four loans from NWTF-Project Dungganon, Arlyn has been incrementally lifting her family out of poverty by the sweat of her brow. Her previous loan of PHP 10,000 helped her earn a monthly profit of PHP 2,500, uplifting the family's standard of living. This time, for her fifth loan, she is borrowing PHP 13,000, which she intends to use to purchase farming equipment and tools so that she can continue to save up for the future education of her children. Arlyn T. 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 joining the NWTF Kiva lending team at

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
  • 999
    View loans »
    Philippines Loans Fundraising
  • $63,411,650
    Funds lent in using Kiva
  • 43.3
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $325 helped Arlyn to purchase farming equipment.
100% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
Sep 30, 2010
Oct 19, 2010
Currency Exchange Loss:
Jul 15, 2011