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Thelma is a 45-year-old single woman who supports her family by operating a junk shop and a food vending (barbecue) business. She lives in the island of Cebu, Philippines. Thelma joined NWTF-Project Dungganon in 2005 because she aspired for something better for her family. With the help of her past 11 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 15,000 helped her earn a monthly profit of PHP 8,000, uplifting the family's standard of living. This time, for her 12th loan, she is borrowing PHP 20,000 to purchase scrap metal and plastic so that she can continue to save up for future house repairs. Thelma is a Dungganon woman who is following an honorable path toward the achievement of her dreams.

Additional Information

More information about this loan

This loan is part of NWTF's green loan program, which helps clients to gain access to environmentally friendly products that reduce pollution in the Philippines.

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
  • 1888
    View loans »
    Philippines Loans Fundraising
  • $61,096,775
    Funds lent in using Kiva
  • 43.6
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $475 helped Thelma to purchase scrap metal and plastic.
100% repaid
Repayment Term
13 months (Additional Information)
Repayment Schedule
Mar 15, 2011
Apr 22, 2011
Currency Exchange Loss:
Feb 16, 2012