Last updated October 29, 2012

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:

Status Update - September 11, 2011

With an aim to fully migrate risk ratings to our new and enhanced risk rating system, Kiva has conducted a reassessment of the level of risk posed by this institution. During this reassessment, our analysts were able to gather updated operational and financial information about the institution, as well as speak with key members of the staff.

Kiva's new risk rating system has enabled us to display NWTF's risk rating with a higher level of granularity. As a result, NWTF's risk rating will now be displayed as 4.5 stars instead of 4 stars. To view the chart, please click here.

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 $14,817,125 $592,214,975
Amount of raised Inactive loans $1,225 $816,125
Number of raised Inactive loans 3 663
Amount of Paying Back Loans $3,923,775 $116,724,125
Number of Paying Back Loans 11,431 124,134
Amount of Ended Loans $10,892,125 $474,674,725
Number of Ended Loans 27,313 602,242
Delinquency Rate 0.02% 4.02%
Amount in Arrears $385 $3,026,567
Outstanding Portfolio $2,178,096 $75,221,618
Number of loanDelinquent 7 12,360
Default Rate 0.08% 1.13%
Amount of Ended Loans Defaulted $9,147 $5,345,663
Amount of Ended Loans $10,892,125 $474,674,725
Number of Ended Loans Defaulted 55 16,814
Currency Exchange Loss Rate 0.00% 0.09%
Amount of Currency Exchange Loss $73 $538,403
Refund Rate 0.05% 0.77%
Amount of Refunded Loans $7,325 $4,537,625
Number of Refunded Loans 19 5,064

Loan Characteristics On Kiva

    This Field Partner All Kiva Partners
  Loans to Women Borrowers 99.41% 74.19%
Average Loan Size $382 $418
Average Individual Loan Size $382 $656
Average Group Loan Size $538 $1,828
Average number of borrowers per group 2 8
Average GDP per capita (PPP) in local country $1,175 $3,429
Average Loan Size / GDP per capita (PPP) 32.54% 12.20%
Average Time to Fund a Loan 4.38 days 5.6 days
Average Dollars Raised Per Day Per Loan $87.27 $74.62
  Average Loan Term 8.13 months 10.35 months

Journaling Performance on Kiva

    This Field Partner All Kiva Partners
  Total Journals 12,023 296,398
  Journaling Rate 39.16% 42.38%
  Average Number of Comments Per Journal 0.00 0.08
  Average Number of Recommendations Per Journal 0.05 1.87

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 33.27% PY
  Profitability (return on assets) 1.2% 4.8% -1.45%
  Average Loan Size (% of per capita income) 5.70% 8.00% 40.88%

Country Fast Facts

Field Partner Staff

Presy Alba
Ma. Judy Alcazar
Androw Bernardez
Sheena Bombio
Jesus de los Reyes
Massah Gamboa
Pachito Genovia
Joseph Guevarra
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