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Norma
Norma is a married woman who lives in Danao City, Cebu. She earns her living by operating a vegetable garden. Her husband Marciano, who is 48 years old, works as a laborer to earn his living and helps in his wife's business activities. They have eight children who are between 4 and 27 years old. Norma joined NWTF-Project Dungganon in 2008 because she aspired for something better for her family. With the help of her past four loans from NWTF-Project Dungganon, Norma has been incrementally lifting her family out of poverty by the sweat of her brow. Her previous loan of PHP 7,000 helped her earn a monthly profit of PHP 8,000, uplifting the family's standard of living. This time, for her fifth loan, she is borrowing PHP 10,000 to buy medicine and fertilizer for her vegetable garden so that she could continue to save up for the future education of her children and expansion of her garden. Norma 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

  • $1175
    Average annual income
  • 293
    View loans »
    Philippines Loans Fundraising
  • $52,075,525
    Funds lent in using Kiva
  • 43.4
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $250 helped Norma to purchase fertilizers for a vegetable garden.
100% repaid
Repayment Term
11 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Feb 18, 2011
Listed
Mar 1, 2011
Currency Exchange Loss:
Possible
Ended:
Dec 15, 2011