A loan of $325 helped purchasing additional ducks to raise.

Ma. Luz's story

Ma. Luz S. lives in the village of Prk Malipayon, Brgy Sagasa, Bago City, Negros Occidental. She is 48 years old and is married to Jerry S., who works as a farmer. She has 8 children; one already has his own family, and the rest are still attending school. As a mother, she would like to secure the future of her children by making sure that they have very good jobs and enough earnings to support the needs of their own families when they decide to settle down.

Ma. Luz got married at only 19 years old because she wanted to be free of her parents' strictness. When she had her own family, she encountered a lot of hardships and problems on how to cope with their daily living. She knew that her husband's income as a farmer was not enough for them. When their first baby was born, Ma. Luz tried other ways to earn other income like putting up a small general store at the front of her house while raising ducks in her backyard. In spite of the additional business, they still encountered problems; still, they persevered.

In 2001 Ma. Luz was able to join NWTF-Project Dungganon, which gave her additional capital for their business. With the loan, she was able to buy additional ducks to raise so that she could then sell the eggs to their neighbors. As loans continued, she learned how to handle her money. She was also able to invest in pig fattening, acquire a farmland and buy a water buffalo for their farm. Twenty six years later, Ma.Luz is more knowledgeable on how to manage her businesses. She now earns PHP 10,000 per month. Most of the profit is put in a savings account to support the education of their children and to help with the family expenses.

For her previous loan, Ma. Luz borrowed PHP 13,000. Said loan was paid in full and on time. Now, while on her 18th cycle, she is asking for a loan of PHP 15,000. She will use the money to buy additional ducks to raise and egg trays for the delivery of eggs. The resulting income will be used to improve her family's living conditions, pay for her children's education and renovate her house.

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.

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