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Aylen D. lives in the village of Brgy. Sibucao, San Enrique, Negros Occidental. She is 38 years old, married, with 3 school-age children. Her husband used to be a baker, but now he helps Aylen run their business.

When her husband was earning a salary as a baker, Aylen stringently allocated the income on their household's needs. But she realized that as her children grew, their expenses would also increase and soon her husband's income would not be sufficient.

This encouraged her to join NWTF-Project Dungganon in 2001. She used the new capital to start a food vending business, selling food within her community and in the neighboring villages. She also put up a "sari-sari" or general store to ensure that she would have a regular daily income. The business performance was so good that the couple decided it would be more lucrative for her husband to manage their general store than earn a monthly salary as a baker.

As their business experience widened, they also took on new opportunities like selling vegetables. Now they earn a monthly income of 15,000 PHP, which is quite enough for the current needs of their family including the education of the children.

Aylen used her previous loan of 21,000 PHP as additional capital for her businesses. Now Aylen will use her 18th cycle loan of 22,000 PHP as working capital for her general store. Income from it will be used for house improvements.

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
  • 314
    View loans »
    Philippines Loans Fundraising
  • $70,616,725
    Funds lent in using Kiva
  • 47.2
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $475 helped Aylen additional working capital for her general store.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Nov 19, 2009
Dec 1, 2009
Currency Exchange Loss:
Jun 15, 2010