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Amalia G. is 50 years old and married to Vicente G. who is presently managing the boarding house that they own. The couple is blessed with 2 children who have already graduated from college. The older, 28 years old, is a teacher while the younger is 26 years old and works with the Coastguard. The family lives in the village of Sitio Serena, Brgy Enclaro, Binalbagan Negros Occidental.

It was always Amalia's dream to be able to send her children to school so they would have their own jobs, and to help her husband pay for their household expenses -- and she has done all this with the help of NWTF-Project Dungganon.

Amalia joined NWTF-PD in January 1995 and used the first cycle loan to start a general or "sari-sari" store. Since it was in a good location, she was able to earn a good income, and she used her subsequent loans to continue improving the operations of her general store. Later, they started taking in boarders, and her husband took care of managing the boarding house. She was able to earn a net monthly income of PHP 6,000 from her businesses.

With the help of her loans from NWTF-Project Dungganon, plus her own efforts and the support of her family, she was able to send her 2 children to school until they finished their college education, a fulfillment of one of her most cherished dreams. She has also acquired a few productive assets such as a refrigerator for her general store, and she had electricity and water pumps installed in her boarding house.

Now Amalia is helping some members of her extended family by supporting the education of her nephew, paying tuition and providing him with an allowance so that he will have some spending money while in school.

In her previous loan, Amalia borrowed Php 19,500 which she used as additional working capital, using part of the income to support her nephew's education. Now she is borrowing for her 14th loan the amount of PHP 23,000, again as additional capital for her general store. She intends to use the income to continue supporting not only her immediate family but she hopes to also improve the lives of other relatives so that they too will achieve their potential just like her own children. This is her way of practicing being "Dungganon" (honorable)

About NWTF:

In a world full of challenges, Negros Women for Tomorrow Foundation, Inc. has answered the call of not just a few but of 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

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
  • 386
    View loans »
    Philippines Loans Fundraising
  • $66,139,225
    Funds lent in using Kiva
  • 46.5
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $500 helped Amalia additional Capital for her General Store.
100% repaid
Repayment Term
11 months (Additional Information)
Repayment Schedule
Oct 16, 2009
Oct 21, 2009
Currency Exchange Loss:
Aug 15, 2010