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Being a widow and trying to raise and provide for six children can be a gruelling challenge, but Mrs. Ofelia B., a 60-year-old from Central Leonor Propoer, Brgy. Jonob-jonob Escalante City, Negros Occidental, is determined to provide a better future for her children. She strives very hard to meet all her familial responsibilities.

Mrs. B. originally started a sari-sari, or general store, business 15 years ago, to supplement the income of her husband. It has continued to provide a steady income for the family. More recently, Mrs. B. saw the business potential of setting up a rice-trading business. She started selling rice to the hacienda (sugar plantation) workers on credit. The workers pay her at the end of every week when they receive their weekly pay. The two businesses earn 5,000 PHP per month for her family.

Concerned for the welfare of her neighbors and community, Mrs. B. ran for, and won, a seat in the Baranggay (Village) Council. At present, she has a loan of 19,000 PHP, which is her 13th loan cycle with NWTF-Project Dungganon. It is being used as additional capital for her business, and she also plans to make improvements on her house.

About NWTF:
In a world full of challenges, Negros Women for Tomorrow Foundation, Inc. has answered the calling 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 realities surpassing their dreams. They have learned to live a life which can finally be called honorable. This is Project Dungganon!

Additional Information

More information about this loan

On Friday November 8, 2013, Super Typhoon Haiyan made its way through Southeast Asia, causing substantial damage to homes and businesses in areas of the Philippines. Given the state of devastation following this storm, borrowers living and working in these areas may have difficulty making repayments on their loans, thus making their Kiva loans higher risk. More 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
  • 350
    View loans »
    Philippines Loans Fundraising
  • $65,920,300
    Funds lent in using Kiva
  • 48.4
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $400 helped Ofelia additional capital for a sari-sari and rice-trading business and for house improvements.
100% repaid
Repayment Term
11 months (Additional Information)
Repayment Schedule
Jul 30, 2009
Aug 18, 2009
Currency Exchange Loss:
May 15, 2010