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Rema C. is a 30 year-old mother to two children (ages six and seven) in the village of Sitio San Juan Brgy Caradioan, Himamaylan City, Negros Occidental. Her husband is a pastor in their local community church. As a mother, she dreams of giving her children a brighter future, of sending them to school and helping them finish their studies, and of uplifting her family's living. She also wants to help her husband defray household expenses.

To address these things and prepare for the future, Rema decided to start her own business so she can make an income to support her dreams in life. That's why in January 2004 she became an entrepreneur and joined NWTF-Project Dungganon.

With her first loan Rema started a general store to have an easy income and the fast turnover of her capital. She was very happy because her earnings helped meet the needs of her children and family. Her loan and business grew for 3 years, when she started other businesses like the load retailer (phone cards), selling gasoline, and networking of Avon Products. These businesses are a big help for her family. She was able to earn 3000 PHP per month. Now she says that her businesses are a big contribution toward achieving her dreams.

Rema used her previous loan of 18000 PHP as additional working capital for her general store. She paid on a weekly basis and it was fully paid in full and on time. Now she will use her 8th cycle loan of 19000 PHP for her general store and other businesses. She will save the additional income for the education of her children.

About NWTF

In a world full of challenges, Negros Women for Tomorrow Foundation, Inc. has answered the calling of not just a few but thousands of women. Through the alleviation program, these women have progressed from earning less than $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
  • 332
    View loans »
    Philippines Loans Fundraising
  • $65,979,775
    Funds lent in using Kiva
  • 47.1
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $425 helped Rema additional capital for her general store and other businesses.
100% repaid
Repayment Term
11 months (Additional Information)
Repayment Schedule
Oct 12, 2009
Nov 1, 2009
Currency Exchange Loss:
Jul 15, 2010