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 $38,009,950 $910,841,675
Amount of raised Inactive loans $0 $1,414,725
Number of raised Inactive loans 0 1,374
Amount of Paying Back Loans $6,291,800 $137,653,725
Number of Paying Back Loans 20,475 166,702
Amount of Ended Loans $31,718,150 $771,773,225
Number of Ended Loans 90,228 965,010
Delinquency Rate 0.08% 8.67%
Amount in Arrears $2,225 $7,711,499
Outstanding Portfolio $2,957,205 $88,945,335
Number of Loans Delinquent 23 21,563
Default Rate 0.03% 1.35%
Amount of Ended Loans Defaulted $9,473 $10,384,180
Number of Ended Loans Defaulted 59 29,512
Currency Exchange Loss Rate 0.00% 0.46%
Amount of Currency Exchange Loss $452 $4,150,252
Refund Rate 0.03% 0.64%
Amount of Refunded Loans $10,350 $5,827,650
Number of Refunded Loans 25 5,888

Loan Characteristics On Kiva

    This Field Partner All Kiva Partners
  Loans to Women Borrowers 99.64% 75.02%
Average Loan Size $343 $404
Average Individual Loan Size $343 $636
Average Group Loan Size $538 $1,790
Average number of borrowers per group 2 7.8
Average GDP per capita (PPP) in local country $7,000 $5,917
Average Loan Size / GDP per capita (PPP) 4.91% 6.83%
Average Time to Fund a Loan 5.23 days 6.97 days
Average Dollars Raised Per Day Per Loan $65.71 $57.97
  Average Loan Term 7.66 months 11.09 months

Journaling Performance on Kiva

    This Field Partner All Kiva Partners
  Total Journals 23,648 472,118
  Journaling Rate 24.03% 41.75%
  Average Number of Comments Per Journal 0.00 0.05
  Average Number of Recommendations Per Journal 0.03 1.22

Borrowing Cost Comparison (based on 2014 data)

    This Field Partner Median for MFI's in Country All Kiva Partners
  Average Cost to Borrower 44% PY 46.00% PY 26.49% PY
  Profitability (return on assets) 5.68% 4.8% 0.07%
  Average Loan Size (% of per capita income) 5.70% 8.00% 18.04%

Country Fast Facts

Field Partner Staff

Presy Alba
Jaypee Allawan
Androw Bernardez
Ma. Cristine Canete
Jesus de los Reyes
Loriel Duran
Pachito Genovia
Sheena Gregas
Joseph Guillergan
Rhiana Marie Sabolbora
Raymond Patrick Serios
PD-Bais Staff
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PD-Bayawan Staff
PD-Binalbagan Staff
PD-Bogo Staff
PD-Brookespoint Staff
PD-Cauayan Staff
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PD-Dalaguete Staff
PD-Dumaguete Staff
PD-Hinobaan Staff
PD-Kabankalan Staff
PD-Minglanilla Staff
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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
Reymund Vasquez