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Thelma is a widow who lives in Negros Occidental, Philippines. She earns her living by operating a general store. She has two children who are 25 and 37 years old.

Thelma joined NWTF-Project Dungganon in 2007 because she aspired for something better for her family. With the help of her past six loans from NWTF-Project Dungganon, Thelma has been incrementally lifting her family out of poverty by the sweat of her brow. Her previous loan of PHP 14,000 helped her earn a monthly profit of PHP 3,200, uplifting the family's standard of living.

This time, for her seventh loan, she is borrowing PHP 15,000 to pay for more stock for her general store so that she can continue to save up for the future to expand her business. Thelma 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
  • 1074
    View loans »
    Philippines Loans Fundraising
  • $63,436,400
    Funds lent in using Kiva
  • 43.7
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $350 helped Thelma to purchase more stock to sell.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Feb 18, 2011
Mar 25, 2011
Currency Exchange Loss:
Sep 15, 2011