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Josefina
Josefina is a married woman who lives in the municipality of Compostela, Cebu. She earns her living by operating three business ventures: a general store, hog raising and motorcycle transport. Her husband Osias, who is 42 years old, works as a laborer to earn his living. They have three children who are between 7 and 16 years old. Josefina joined NWTF-Project Dungganon in 2005 because she aspired for something better for her family. With the help of her past 10 loans from NWTF-Project Dungganon, Josefina has been incrementally lifting her family out of poverty by the sweat of her brow. Her previous loan of PHP 14,000 helped her earn a monthly profit of PHP 4,800, uplifting the family's standard of living. This time, for her 11th loan, she is borrowing PHP 17,000, which she intends to use to buy stock for the general store so that she can continue to save up for her children's future education. Josefina 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 upon 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 joining the NWTF Kiva lending team at http://www.kiva.org.

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
  • 1260
    View loans »
    Philippines Loans Fundraising
  • $57,883,475
    Funds lent in using Kiva
  • 43.4
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $400 helped Josefina to purchase more stock to sell.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Feb 10, 2011
Listed
Feb 19, 2011
Currency Exchange Loss:
Possible
Ended:
Sep 15, 2011