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Armelita is a married woman who lives in the island of Palawan. She earns her living by operating a palm oil farm and a sand & gravel quarry. Her husband Renato, who is 47 years old, works as a farmer to earn his living and helps in his wife's business activities. They have two children who are 28 and 29 years old.

Armelita joined NWTF-Project Dungganon in 2005 because she aspired for something better for her family. With the help of her past 18 loans from NWTF-Project Dungganon, Armelita 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 20,000, uplifting the family's standard of living.

This time, for her 19th loan, she is borrowing PHP 29,500 to fund her palm oil farming operation so that she can continue to save up for the future expansion of her business. Armelita 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
  • 1941
    View loans »
    Philippines Loans Fundraising
  • $61,098,225
    Funds lent in using Kiva
  • 43.7
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $675 helped Armelita to fund her palm oil farming.
100% repaid
Repayment Term
9 months (Additional Information)
Repayment Schedule
Feb 28, 2011
Mar 25, 2011
Currency Exchange Loss:
Oct 15, 2011