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Ma.theresa
Ma. Theresa is married and lives in San Remegio, Cebu. She earns a living by fishing and fish vending. Her husband Dionisio, 55, is also a fisherman, who works hard to increase their income and develop their businesses. They have nine children in the ages between 5 and 35 years. Ma. Theresa joined NWTF-Project Dungganon in 2008 because she aspired for something better for her family.

With the last four loans taken from NWTF-Project Dungganon, Ma. Theresa has been slowly lifting her family out of poverty. Her previous loan of PHP 10,000 helped her earn a monthly profit of PHP 10,000, uplifting her family's standard of living. This time, for her fifth loan cycle, she is borrowing PHP 13,000 that she intends to use for buying fishing nets which should boost her fish vending business. She wants to continue saving up for her children's education in the future. Ma. Teresa is a Dungganon woman who is working hard to fulfill 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

  • $1175
    Average annual income
  • 338
    View loans »
    Philippines Loans Fundraising
  • $50,801,300
    Funds lent in using Kiva
  • 43.7
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $300 helped Ma.theresa to purchase fishing net and equipment.
100% repaid
Repayment Term
15 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Jan 31, 2011
Listed
Feb 12, 2011
Currency Exchange Loss:
Possible
Ended:
Mar 15, 2012