Kiva conducts regular, ongoing monitoring of all Field Partners, but only posts status updates here in response to relevant, major changes at the partner.

Partner Description:

Founded in 1984, the Negros Women for Tomorrow Foundation, Inc. (NWTF) began as a non-governmental organization aiming to help women achieve self-sufficiency, particularly in the province of Negros Occidental’s low-income communities. Its goal is to increase women’s awareness of their economic potential, their skills and productivity and to improve their quality of life.

A unique lending approach:

In 1989, NWTF accepted the challenge of replicating the Grameen Bank’s credit methodology through initiatives like Project Dungganon (Honorable) and Project Kasanag (Light that Offers Hope), which provide operating capital to start or expand clients’ businesses. This credit assistance is designed to help urban micro-entrepreneurs engaged in manufacturing, trading, buying and selling, service and shopkeeping, enabling them to improve their quality of life and participate in the economic progress of the community.

NWTF has broadened its services to include hospital income benefits, life insurance, accidental death benefits and more. Additionally, in 2004, NWTF launched its scholarship program, extending grants to qualified dependents of its clients. NWTF also introduced a micro-crop loan to address the needs of agrarian reform beneficiaries, giving them the opportunity to cultivate and retain ownership of their own land.

Clients participating at the workshop organized by NWTF under the project Dungganon.


A video on the organization’s work and impact:

Image courtesy of Negros Women for Tomorrow Foundation, Inc.

Repayment Performance on Kiva

    This Field Partner All Kiva Partners
  Start Date On Kiva Jul 10, 2009 Oct 12, 2005
Total Loans $15,539,600 $603,625,750
Amount of raised Inactive loans $325 $517,700
Number of raised Inactive loans 1 449
Amount of Paying Back Loans $4,647,150 $118,998,550
Number of Paying Back Loans 13,458 128,322
Amount of Ended Loans $10,892,125 $484,109,500
Number of Ended Loans 27,313 612,037
Delinquency Rate 0.02% 4.17%
Amount in Arrears $445 $3,223,190
Outstanding Portfolio $2,901,471 $77,262,633
Number of loanDelinquent 9 14,115
Default Rate 0.08% 1.11%
Amount of Ended Loans Defaulted $9,147 $5,357,808
Amount of Ended Loans $10,892,125 $484,109,500
Number of Ended Loans Defaulted 55 16,820
Currency Exchange Loss Rate 0.00% 0.09%
Amount of Currency Exchange Loss $73 $572,886
Refund Rate 0.05% 0.75%
Amount of Refunded Loans $7,325 $4,553,925
Number of Refunded Loans 19 5,085

Loan Characteristics On Kiva

    This Field Partner All Kiva Partners
  Loans to Women Borrowers 99.41% 74.22%
Average Loan Size $381 $419
Average Individual Loan Size $381 $656
Average Group Loan Size $538 $1,830
Average number of borrowers per group 2 8
Average GDP per capita (PPP) in local country $1,175 $3,424
Average Loan Size / GDP per capita (PPP) 32.44% 12.23%
Average Time to Fund a Loan 4.54 days 5.69 days
Average Dollars Raised Per Day Per Loan $84.02 $73.56
  Average Loan Term 8.14 months 10.4 months

Journaling Performance on Kiva

    This Field Partner All Kiva Partners
  Total Journals 12,304 301,614
  Journaling Rate 38.52% 42.41%
  Average Number of Comments Per Journal 0.00 0.08
  Average Number of Recommendations Per Journal 0.05 1.84

Borrowing Cost Comparison (based on 2012 data)

    This Field Partner Median for MFI's in Country All Kiva Partners
  Average Cost to Borrower 44% PY 46.00% PY 33.19% PY
  Profitability (return on assets) 1.2% 4.8% -1.44%
  Average Loan Size (% of per capita income) 5.70% 8.00% 40.64%

Country Fast Facts

Field Partner Staff

Presy Alba
Ma. Judy Alcazar
Jaypee Allawan
Androw Bernardez
Sheena Bombio
Jesus de los Reyes
Massah Gamboa
Pachito Genovia
Jubert Maquiling
Martina Quirino
Rhiana Marie Sabolbora
Raymond Patrick Serios
PD-Bago Staff
PD-Bais Staff
PD-Bantayan Staff
PD-Bayawan Staff
PD-Binalbagan Staff
PD-Bogo Staff
PD-Brookespoint Staff
PD-Cadiz Staff
PD-Cauayan Staff
PD-Compostela Staff
PD-Cordova Staff
PD-Dalaguete Staff
PD-Dumaguete Staff
PD-Escalante Staff
PD-Hinigaran Staff
PD-Hinobaan Staff
PD-Kabankalan Staff
PD-La Castellana Staff
PD-Minglanilla Staff
PD-Narra Staff
PD-Puerto Princesa Staff
PD-Roxas Staff
PD-San Carlos Staff
PD-Santander Staff
PD-Silay Staff
PD-Tanjay Staff
PD-Taytay Staff
PD-Toledo Staff
PD-Valladolid Staff
Loriel Trumata
Reymund Vasquez