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53-year-old Lucia A. lives in Canonoy, Hinigaran, Negros Occidental. Her husband originally earned a living from making wine from coconut sap (tuba) which they sold to people around the neighborhood. The couple is blessed with four adult children who are now between 28 and 34 years old, some of whom are gainfully employed and are therefore helping in the support of their family. Lucia hopes that she can continue improving their family's lifestyle through their family's collective hard work.

As a wife, Lucia always had a realistic view of their family's situation. She very well knew that the income her husband earned as a tuba maker was just not enough to cover all of their expenses and the increasing need for finances. Because they lived near the sea, Lucia decided that, if she had some capital, she'd engage in the buying and selling of fish to her neighbors and to people in the surrounding villages.

To get the necessary access to new capital, Lucia joined NWTF-Project Dungganon, and this enabled them to rent a fishing boat that one of her sons used for fishing, while she continued with her fish-vending venture. With the additional income they were able to buy their own motorized fishing boat soon after. This has enabled them to earn an average monthly income of PHP 8,000.

Her Credit Record:
Lucia’s previous loan of Php 12,000 was utilized as additional capital for her fish-vending business. The loan was fully repaid on time and within the designated loan term without any delays. Now, her 13th loan of Php 14,000 will be used to buy an engine for her fishing boat and to make a few repairs and maintenance work on it. The income from it will be used for the improvement of the family’s living conditions.

In the accompanying photo, Lucia is shown with the motorized fishing boat that her son just finished painting.

About NWTF:
In a world full of challenges, Negros Women for Tomorrow Foundation (NWTF), is making a difference in the lives of thousands of women through Project Dungganon (a Hiligaynon word that means Honorable). Through the alleviation program, NWTF is empowering these women to progress out of earning less than $1 a day to achieving realities that surpass even their dreams. They have taken a life path that will ultimately make them Dungganon - a title of esteem that is bestowed to a member of a community who has earned the respect through a lifetime of hard and honest work.

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
  • 478
    View loans »
    Philippines Loans Fundraising
  • $69,645,400
    Funds lent in using Kiva
  • 46.3
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $325 helped Lucia to purchase a boat engine and to repair the fishing boat.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Oct 16, 2009
Nov 15, 2009
Currency Exchange Loss:
Oct 15, 2010