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Desideria lives in the municipality of Sta. Fe, in the island of Bantayan, Cebu. She earns her living by operating a shell crafting business. Her common-law husband Andy, who is 32 years old, works as a trisikad driver to earn his living and helps in his wife's business activities. She has four children who are 6 months to 13 years old. Desideria joined NWTF-Project Dungganon in 2007 because she aspired for something better for her family. With the help of her past seven loans from NWTF-Project Dungganon, Desideria has been incrementally lifting her family out of poverty by the sweat of her brow. Her previous loan of PHP 25,000 helped her earn a monthly profit of PHP 8,000, thus uplifting the family's standard of living. This time, for her eighth loan, she is borrowing PHP 29,000 to use as additional capital for the business so that she can continue to save up for the future education of her children. Desideria is a Dungganon woman who is following an honorable path toward the achievement of her dreams.

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
  • 1009
    View loans »
    Philippines Loans Fundraising
  • $63,411,650
    Funds lent in using Kiva
  • 43.6
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $675 helped Desideria to fund the operations of her business.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Feb 23, 2011
Mar 17, 2011
Currency Exchange Loss:
Sep 15, 2011