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Elizabeth S. is a 36-year-old resident of Guintubdan, Brgy. Ara-al, La Castellana, Negros Occidental, who is married with two school-age children and earns a living by operating a convenience store.

When Elizabeth started her business, she just sold coffee and snacks to her neighbors. She then expanded it into a "carinderia" - a small eatery that sold cooked food to her neighbors. After she joined NWTF-Project Dungganon in 2002 she used her loans to improve her business, expanding her operations to sell groceries and other goods that her neighbors might need - almost like a 7/11 store.

Elizabeth also used the loans from NWTF-Project Dungganon to improve the construction of her store which was originally built from bamboo and other light materials. She slowly reinforced the building using hollow blocks and cement for a more permanent structure. The income from her business enables her to continue fixing and improving her house as well as pay for the education of her two young children.

Now on her 15th loan, Elizabeth is borrowing PHP 19,500 so that she can restock her convenience store and have more working capital to use in her eatery business.

About NWTF:
In a world full of challenges, Negros Women for Tomorrow Foundation, Inc. has answered the call of not just a few, but thousands of women. Through the alleviation program, these women have progressed from earning less than a measly $1 a day, to surpassing realities beyond their dreams. They have learned to live a life where they can finally be called honorable. This is Project Dungganon.

Additional 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
  • 320
    View loans »
    Philippines Loans Fundraising
  • $70,648,200
    Funds lent in using Kiva
  • 48.0
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $425 helped Elizabeth to use as additional working capital in her expanding business.
100% repaid
Repayment Term
7 months (Additional Information)
Repayment Schedule
Jul 8, 2009
Aug 18, 2009
Currency Exchange Loss:
Jan 15, 2010