A loan of $150 helped as additional capital for the business.


Arlene's story

Arlene C. is 35 years old and married with three children whose ages range from 6 to 16 years old. The eldest two children attend school. The family lives in the village of Sitio Napulo, Brgy. Cerantes, Escalante City, Negros Occidental. As a mother, Arlene is always looking ahead and thinking about her children's future. She makes plans for when they grow up; she wants to send them to school and get a college degree, and later have a stable job, have their own family, and be free from poverty. But then she sometimes questions how her dreams can be fulfilled because her husband's income is too small and not sufficient even to cover their household expenses.

With these aspirations in mind, Arlene began to help her husband by selling seaweed in the local market and other neighboring places. The little she earned helped defray the household expenses and support her children's school-related needs. She then decided to expand her business to earn more, and so asked around about where and how she could access additional capital to do this. It was at this time that she learned about NWTF-Project Dungganon and how it could help her financial needs. In 1996, Arlene became a member of NWTF-Project Dungganon, and she used her first loan cycle to increase the volume of her seaweed business. She diligently paid her weekly installments and maintained her good credit record so that she could take advantage of a larger loan in the next cycle. By so doing she increased her income. She then had enough capital to start another business, a general store in her neighborhood. The store now earns 3,000 PHP a month to supplement the family income.

Arlene is a shrewd businesswoman and plans her cash flow well. In her previously cycle, she borrowed 17,000 PHP, which she used to invest in her business. She was able to fully pay it on time and without any delays. This time around, for her ninth cycle loan, she is borrowing only 6,000 PHP. This is because she anticipates that demand for her products will drop because people in her neighborhood will have less disposable income as it is off-season for the biggest employers in the area – the sugar mill and sugar plantations. She intends to add the loan to her revolving working capital in her general store.

About NWTF

In a world full of challenges, Negros Women for Tomorrow Foundation, Inc. has answered the calling of not just of 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 the realities beyond their dreams. They have learned to live a life where they can finally be called honorable. This is Project Dungganon.



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