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Josephine
Josephine is a 22-year old single woman who supports her family by operating a general store. She lives in Bayawan City, Negros Oriental. Josephine joined NWTF-Project Dungganon in 2007 because she aspired for something better for her family. With the help of her past 5 loans from NWTF-Project Dungganon, Josephine has been incrementally lifting her family out of poverty by the sweat of her brow. Her previous loan of PHP 15,000 helped her earn a monthly profit of PHP 6,000, uplifting the family's standard of living. This time, for her 6th loan, she is borrowing PHP 15,000, which she intends to use to purchase more stock to sell so that she can continue to save up for future business expansion. Josephine 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 Kiva.org 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 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 women in low-income urban and rural communities.

About Philippines

  • $7,000
    Average annual income
  • 1071
    View loans »
    Philippines Loans Fundraising
  • $57,757,925
    Funds lent in using Kiva
  • 44.4
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $350 helped Josephine purchase general store stock to sell.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Jan 11, 2011
Listed
Jan 19, 2011
Currency Exchange Loss:
Possible
Ended:
Aug 15, 2011