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Monica L. is a married woman who lives in Poblacion, Basay, Negros Oriental. She earns her living by operating two business ventures: buying and selling tobacco and a motorcycle transport business. Her husband, Anastacio, who is 62 years old, works as a farmer to earn his living and also helps in his wife's businesses. They have eight children aged between 21 and 42.

Monica joined Kiva partner, NWTF-Project Dungganon, in 2006 because she aspired for something better for her family. With the help of her past eight loans from NWTF-Project Dungganon, Monica has been gradually lifting her family out of poverty by the sweat of her brow. Her previous loan of 15,000 PHP helped her earn a monthly profit of 9,000 PHP, thus raising the family's standard of living. This time, for her ninth loan, she is borrowing 30,000 PHP, which she intends to use as additional working capital for her tobacco business and maintenance for her motorcycle so that she could continue to save up for future business improvements. Monica 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 on a member of the 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 joining the NWTF Kiva lending team on

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
  • 1087
    View loans »
    Philippines Loans Fundraising
  • $63,434,650
    Funds lent in using Kiva
  • 44.4
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $700 helped Monica to fund the operation of her tobacco business.
100% repaid
Repayment Term
16 months (Additional Information)
Repayment Schedule
Dec 9, 2010
Dec 22, 2010
Currency Exchange Loss:
Mar 15, 2012