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Gilda D., who lives in the the village of Baranrgay Nanunga, Hinigaran, Negros Occidental, is 50 years old and married to Eduardo D., who is a 64 year old pensioner. They have five children ranging in age from 16 to 30 years old. The older children have finished their studies and only the two youngest are still in school.

Gilda is a natural entrepreneur who is always looking for opportunities to earn more for her family and provide her children with a brighter future. Because she wanted to help her husband support their family, she engaged in a food-vending business by making different kinds of native delicacies and sold them within the community and in the neighboring villages. Aside from this, she also put up a general store adjacent to their house.

With her entrepreneurial spirit whetted, Gilda was inspired to expand her food vending business and her general store and she needed additional capital to accomplish this. So she joined NWTF-Project Dungganon in 2002 to have access to the much needed capital. The new loans allowed her to expand her operations, which in turn resulted in a higher income.

From the subsequent loans, she was able to diversify to a third business - pig fattening and the three businesses allowed her to earn PHP 7,500 per month. She is grateful to NWTF-Project Dungganon for providing her with the means to expand her business through the easy-installment loans.

Her previous loan of PHP 12,000, which was her 11th loan from NWTF-Project Dungganon, did well for her business and allowed her to maintain her good credit standing when she paid off each installment on time until it was completely paid. Now on her 12th cycle, she is borrowing PHP 14,000 to add to the revolving working capital of her businesses.

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
  • 592
    View loans »
    Philippines Loans Fundraising
  • $69,906,675
    Funds lent in using Kiva
  • 47.3
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $300 helped Gilda to use as additional capital for her businesses.
100% repaid
Repayment Term
11 months (Additional Information)
Repayment Schedule
Sep 11, 2009
Sep 24, 2009
Currency Exchange Loss:
Jul 15, 2010