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Jovita N. is a married woman who lives in Sitio Tinago, Brgy. Anahaw, Hinigaran, Negros Occidental. She earns her living by operating 2 business ventures: fish vending and pig fattening. Her husband Eliseo N., who is 63 years old, is retired and also helps in his wife's business activities. They have eight children who are between 13 to 32 years old. Jovita joined NWTF-Project Dungganon in 2000 because she aspired for something better for her family. With the help of her past twenty loans from NWTF-Project Dungganon, Jovita has been incrementally lifting her family out of poverty by the sweat of her brow. Her previous loan of 16,000 PHP helped her earn a monthly profit of 8,000 PHP, uplifting the family's standard of living. This time, for her 21st loan, she is borrowing 16,000 PHP, which she intends to use to buy more fresh fish to sell so that she can continue to save up for the future education of her children and home repairs. Jovita N. 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 clicking the link to the NWTF Kiva lending team on 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
  • 1161
    View loans »
    Philippines Loans Fundraising
  • $63,466,825
    Funds lent in using Kiva
  • 43.3
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $375 helped Jovita fund the operations of her fish selling business.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Oct 15, 2010
Oct 27, 2010
Currency Exchange Loss:
May 15, 2011