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Noly D. is a young and strong 60-year-old who loves running her business and is happy to be earning a daily income from her business operations. She lives in the village of Brgy. 111, Hinigaran, Negros Occidental. She is married to a motorcycle driver and they have three children who are between 21 and 30 years old. Noly has always dreamed of a more comfortable life for herself and her family.

She had to do something to help her husband earn a living because his income from driving a motorcycle, shuttling passengers, was just not sufficient to sustain their family. So Noly started her own eatery, offering different kinds of food to her regular customers. In spite of the small income she earned from this business, she persisted because it helped their food needs.

To improve her business and be able to earn a bigger income, she joined NWTF-Project Dungganon 2001. With the additional capital from her loans, she was soon able to expand her business to include a general store. She has been in business for over 25 years already, but it is only now with the help of NWTF-Project Dungganon that she is finally achieving some success in her business. She now earns an average monthly income of PHP 9,000 from her business operations, allowing her to set aside some savings for their future.

In her previous loan, she borrowed Php 17,000 and used it as working capital for her eatery and to buy more stock for her general store. Even at her age, she maintains her good credit performance by paying her loan in full and on time without any delays. Now she is borrowing for her 16th cycle loan, the same amount of Php 17,000 to be used to buy motorcycle spare parts to repair her husband's source of his livelihood and also as additional capital for her general store and eatery.

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
  • 334
    View loans »
    Philippines Loans Fundraising
  • $70,673,000
    Funds lent in using Kiva
  • 46.7
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $375 helped Noly to buy spare parts for her husband's motorcycle and as additional capital for her eatery and general store.
100% repaid
Repayment Term
9 months (Additional Information)
Repayment Schedule
Oct 22, 2009
Nov 20, 2009
Currency Exchange Loss:
Jun 15, 2010