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Luciana is a 57-year-old married woman who supports her family by operating six business ventures: a sari-sari (general) store, dry goods, mineral water refill, buying & selling wood, electronic re-loading and room-for-rent businesses. She lives in Lapu-Lapu City, Cebu. She has been a member of NWTF-Project Dungganon since 2004 and has improved her living conditions with the help of her loans from NWTF and through her own efforts. By working hard in her six businesses, she is gradually making her family more economically stable. She now earns an average monthly income of PHP 27,000. Luciana is borrowing PHP 29,500 to fund her business operations. This will be her 13th loan from NWTF-Project Dungganon. Her previous loan of PHP 29,500, which she paid off well within its term, was just another step in her journey toward economic freedom. Luciana aspires to elevate her family's living conditions and ensure their future wellbeing by following the Dungganon way.

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

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 men and 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 low-income urban and rural communities.

About Philippines

  • $7,000
    Average annual income
  • 1941
    View loans »
    Philippines Loans Fundraising
  • $61,097,225
    Funds lent in using Kiva
  • 43.6
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $700 helped Luciana to fund her business operations.
100% repaid
Repayment Term
9 months (Additional Information)
Repayment Schedule
Jan 29, 2011
Mar 1, 2011
Currency Exchange Loss:
Aug 15, 2011