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Zoraida is a 41-year-old single woman who supports her family through direct selling of plastic home products and operating a sari-sari store. She lives in Hinigaran, Negros Occidental. Zoraida joined NWTF-Project Dungganon in 2003 because she aspired for something better for her family. With the help of her past 11 loans from NWTF-Project Dungganon, Zoraida has been incrementally lifting her family out of poverty by the sweat of her brow. Her previous loan of PHP 19,000 helped her earn a monthly profit of PHP 5,000, uplifting the family's standard of living. This time, for her 12th loan, she is borrowing PHP 19,000 to purchase more stock to sell both for her home products business and for the sari-sari store so that she can continue to save up for her future security and to support her household expenses. Zoraida 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
  • 1823
    View loans »
    Philippines Loans Fundraising
  • $60,865,650
    Funds lent in using Kiva
  • 43.7
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $450 helped Zoraida to purchase more home products to sell.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Feb 18, 2011
Mar 24, 2011
Currency Exchange Loss:
Sep 15, 2011