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Quirina is a married woman who lives in Rizal, Palawan. She earns her living by operating a bakery and a fishing business. Her husband Pedrito, who is 62 years old, works as a baker to earn his living and helps in his wife's business activities. They have 11 children who are between 18 and 39 years old. Quirina joined NWTF-Project Dungganon in 2005 because she aspired for something better for her family. With the help of her past 17 loans from NWTF-Project Dungganon, Quirina has been incrementally lifting her family out of poverty by the sweat of her brow. Her previous loan of PHP 29,500 helped her earn a monthly profit of PHP 16,000, uplifting the family's standard of living. This time, for her 18th loan, she is borrowing PHP 29,500 to fund the operation of her bakery and fishing businesses so that she can continue to save up for future house repairs and family needs. Quirina 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

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
  • 990
    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 $700 helped Quirina to fund the operation of her bakery.
100% repaid
Repayment Term
9 months (Additional Information)
Repayment Schedule
Feb 14, 2011
Mar 5, 2011
Currency Exchange Loss:
Oct 15, 2011