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Elvira L. lives in Hacienda Malisbog 4, Brgy E Lopez, Silay City, Negros Occidental. She is 45 years old. Her husband, Rogelio, works as a tricycle driver within their village and around Silay City. She has two children who are presently attending school. Her dreams in life are to help her husband generate additional income for the family, so that her children can finish their studies. She also wants to improve her family's living conditions.

In 1998 Elvira joined the Kiva field partner, NWTF-Project Dungganon, to have capital to invest in a business. She used her loan for a tricycle as the source of their income. She also invested in the buying and selling of scrap, like empty bottles, scrap iron, plastics and many other things that can be useful and acceptable to sell. As she continued her loans with NWTF, her business grew and earned additional income for the family. She would get a minimum income of $77 a month, which she used for her family.

Previously, Elvira borrowed 19,500 PHP as additional capital for her scrap business and it was paid back on a weekly basis, and fully paid within her loan term without any delay. Because of her good credit performance, she was able to access a bigger loan. She recently borrowed 25,000 PHP for her 18th cycle loan, to use as additional capital for her scrap business. The income will be used for the education of her children and for her business.

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 on a member of a community who has earned 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
  • 334
    View loans »
    Philippines Loans Fundraising
  • $66,038,225
    Funds lent in using Kiva
  • 47.0
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $550 helped Elvira additional capital for her scrap business.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Nov 13, 2009
Dec 3, 2009
Currency Exchange Loss:
Jun 15, 2010