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Expand her business, earn a good living, improve family living conditions and be able to send their children to school and finish their studies -- these are the main concerns of Georgita F., 43 years old, and her husband Leonardo. They are blessed with 3 young school-aged children. The family lives in the Prk. Waling, Waling Brgy, Busay Bago City, Negros Occidental.

Georgita has a general store, a rice business, and also sells gasoline to earn additional income to help her husband sustain the needs of the family and meet their dreams in life. She started her business when she joined NWTF-Project Dungganon in 2001, because she knew that if her husband alone had to generate all of the family's income, it might be too much pressure on him. She was even worried that their children would not be able to finish their studies. But through their cooperative efforts, she and her husband are reaching for their dreams, but helping each other support their family. Now she earns a minimum monthly income of PHP 6,000, a portion of which she sets aside for the education of their children.

She borrowed PHP 8,000 with her previous loan, and used it as additional capital for her general store and other businesses. She was able to earn and repay her loan every week without delay and she was able to fully pay her loan within term. Now, for her 17th cycle loan, she is borrowing PHP 11,000 to be used as additional working capital for her businesses. The income from it will be invested in expanding their business and to invest in the buying and selling of eggs.

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

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
  • 411
    View loans »
    Philippines Loans Fundraising
  • $66,139,225
    Funds lent in using Kiva
  • 47.1
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $250 helped Georgita to provide additional working capital for her general store.
100% repaid
Repayment Term
5 months (Additional Information)
Repayment Schedule
Nov 6, 2009
Nov 25, 2009
Currency Exchange Loss:
Mar 15, 2010