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Floramie T. is a married woman who lives in Sitio Bungtod, Brgy. Manlayao, Danao City, Cebu. She earns her living by operating three business ventures: pig fattening, a general store and Jeepney transportation. Her husband, Arsenio T. Jr., who is 41 years old, works as a Jeepney driver to earn his living, and also helps in his wife's business activities. They have two children, who are 14 and 18 years old.

Floramie joined NWTF-Project Dungganon in 2009 because she aspired for something better for her family. With the help of her past three loans from NWTF-Project Dungganon, Floramie has been incrementally lifting her family out of poverty by the sweat of her brow. Her previous loans from NWTF helped her increase their family's monthly income to 30,800 Philippines pesos (PHP), uplifting the family's standard of living.

This time, for her fourth loan, she is borrowing PHP 20,000, which she intends to use as additional working capital for her various business activities so that she can continue to save up for the future security of her family and to save up to increase her working capital for future business expansion.

Floramie T. 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 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
  • 1865
    View loans »
    Philippines Loans Fundraising
  • $61,075,150
    Funds lent in using Kiva
  • 44.0
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $475 helped Floramie additional working capital.
100% repaid
Repayment Term
9 months (Additional Information)
Repayment Schedule
Nov 27, 2010
Dec 26, 2010
Currency Exchange Loss:
Jul 15, 2011