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Carmen
Carmen C. is a married woman who lives in Carmen, Cebu. Her husband, Policarpio, who is 45 years old, works as a driver to earn his living and also helps in his wife's business activities. They have three children who are between 5 and 11 years old.

Carmen earns her living by operating two business ventures: ready-to-wear clothes sales and a rice business.

Carmen joined NWTF-Project Dungganon in 2008 because she aspired to something better for her family. With the help of her past five loans from NWTF-Project Dungganon, Carmen has been incrementally lifting her family out of poverty by the sweat of her brow. Her previous loan of PHP 12,000 helped her earn a monthly profit of PHP 6,000, uplifting the family's standard of living.

This time, for her sixth loan, she is borrowing PHP 15,000, with which she intends to purchase ready-to-wear products to sell so that she can continue to save up for the future improvement of her business.

Carmen 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"). 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 upon 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 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

  • $1175
    Average annual income
  • 1153
    View loans »
    Philippines Loans Fundraising
  • $54,905,900
    Funds lent in using Kiva
  • 43.7
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $350 helped Carmen to purchase more clothes to sell.
100% repaid
Repayment Term
9 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Jan 27, 2011
Listed
Feb 20, 2011
Currency Exchange Loss:
Possible
Ended:
Aug 15, 2011