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Marcia M. is a married woman who lives in Purok 3, Brgy. Datag, Siaton, Negros Oriental. She earns her living by operating a general store. Her husband, Bonifacio, age 42, works as a carpenter and also helps with his wife's business. They have three children who are 10 to 19 years old.

Marcia joined NWTF-Project Dungganon in 2000 because she wanted something better for her family. With the help of her past 16 loans from NWTF-Project Dungganon, and by the sweat of her brow, Marcia has been incrementally lifting her family out of poverty. Her previous loan of 25,000 Philippine pesos (PHP) helped her earn a monthly profit of 6,500 PHP, improving her family's standard of living. This time, for her 19th loan, she is borrowing 25,000 PHP, which she intends to use to buy stock for her variety store to sell to customers, so that she can continue to save up for the future education of her children. Marcia M. 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 on 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 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
  • 1941
    View loans »
    Philippines Loans Fundraising
  • $61,100,300
    Funds lent in using Kiva
  • 44.0
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $575 helped Marcia to purchase more stock.
100% repaid
Repayment Term
16 months (Additional Information)
Repayment Schedule
Dec 9, 2010
Dec 26, 2010
Currency Exchange Loss:
Mar 15, 2012