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Nothing is impossible if you believe that you can have everything you want, if you just put your faith and trust in God above all things. This is what Marlyn S. truly believes. She is a 44 year-old widow with 3 children who lives in the village of Brgy. Vito, Sagay City, Negros Occidental. Two of her daughters, who are 22 and 21 years old, have already graduated and earned their Bachelor's Degree in Elementary Education, and the older one has already passed the Teacher's Board. The youngest, who is 16, just graduated from high school and is now in her first year of college.

When she was widowed, she was devastated because it was unexpected and she was not prepared for such an occurrence. She had to find a means of support for her young daughters. While looking around for business opportunities, she realized that she could earn a living selling religious articles to the devotees who visited the old church in her village. The village of Vito, which is in the older part of Sagay City, is visited by both tourists and devotees, especially on Fridays because of its famous shrine to St. Vincent Ferrer.

Marlyn joined NWTF-Project Dungganon in 2002 so that she could get start-up capital for her business - selling religious articles and accessories to people who come to the church. Her income has been able to support her family over the years as well as pay for all the weekly installments on time. Since she started her business, she has seen the advancement of it with each succeeding and larger loan she received from NWTF-PD, and this has in turn improved her family's quality of life. She was able to earn an average monthly income of Php 8,000 which allowed her to send her children to college. She still continues to save part of her income for the education of her youngest daughter.

Her previous loan of Php 19,000 was used for additional working capital for her retailing of religious items/articles. This loan was fully paid on time without any delays. And in her 9th cycle loan, she intends to borrow Php 19,500 as additional capital for her business, which will be a big help to her family.

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.

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
  • 326
    View loans »
    Philippines Loans Fundraising
  • $70,796,100
    Funds lent in using Kiva
  • 46.7
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $425 helped Marlyn additional capital for her religious articles.
100% repaid
Repayment Term
11 months (Additional Information)
Repayment Schedule
Sep 11, 2009
Oct 7, 2009
Currency Exchange Loss:
Jul 15, 2010