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Ofelia M. of Brgy. Ma-ao, Bago City, Negros Occidental, is a 59-year-old married woman with one adult child.

For the past thirty years she has owned and managed a food stall which serves a variety of meals to the local community. This business earns a respectable PHP 10,000 per month for her small family.

In her own words, Ofelia says that, "The thirty years in this business has been fulfilling for me because I proved to myself, my family and other people that I could manage and even improve my life without having a College degree. I just put a lot of trust in God and I am always honest in all my business dealings. When NWTF-Project Dungganon came to our community, at first I was hesitant to join because I wasn't sure that I could afford the weekly payments, but after attending the training seminar in 2004, I knew that I could do it. Now I am proud to say that it was Project Dungganon that helped me improve my food business and allowed me to venture into other lines of business, which has greatly improved the financial stability of my family."

Ofelia is now borrowing PHP 15,000 for her 14th loan so that she can have additional working capital for her diversified businesses. But most of it will be invested in her food 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
  • 497
    View loans »
    Philippines Loans Fundraising
  • $70,831,400
    Funds lent in using Kiva
  • 48.4
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $325 helped Ofelia to use as additional working capital for her business.
100% repaid
Repayment Term
7 months (Additional Information)
Repayment Schedule
Aug 6, 2009
Aug 22, 2009
Currency Exchange Loss:
Feb 15, 2010