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Piladel G. is a 51-year-old married woman who lives in the village of Shopping, Brgy. Fabrica, Sagay City, Negros Occidental. She is engaged in food vending as a source of daily income and raises pigs on the side as a supplement. Her husband Welfredo works as a carpenter. They are blessed with two children who are 15 and 20 years old and still going to school. The younger is in high school and the older attends college. It is Piladel's dream for her children to finish their studies and have a stable income from gainful employment or a stable livelihood, so that they will have a more comfortable life ahead of them.

She thought of going into business to augment her husband's income because she knew that her husband's work could be seasonal at times. And if they relied on only one source of income, she would not be able to fulfill her dreams for her children and their family. At first, she only raised pigs in her backyard, but the return on her investment took 3-4 months to pay off, so she decided to engage in food vending so that she would have a daily income. As her business continued to flourish, she soon needed additional capital to sustain her business operations.

This is why she joined NWTF-Project Dungganon in 2002. Her loans contributed a lot to increasing their income capacity by allowing them to raise more pigs and increase the variety of food that she sold. Now her minimum monthly income has increased to PHP 2,000 from her food vending operations. And her income from selling the pigs helps to pay for her children's education and provides additional income for their business.

Piladel's previous loan of PHP 19,500 was used as additional working capital for her business. It was fully paid within her loan term without delay. Now she is borrowing her 15th loan in the same amount, PHP 19,500 to be used as additional capital for her pig fattening and food vending businesses. Some of the income will be set aside for her children’s education and to pay for their family expenses. The rest will be plowed back as capital for their business operations.

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
  • 364
    View loans »
    Philippines Loans Fundraising
  • $70,813,700
    Funds lent in using Kiva
  • 46.7
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $425 helped Piladel additional capital for her pig-fattening and food vending businesses.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Nov 20, 2009
Nov 26, 2009
Currency Exchange Loss:
Dec 15, 2010