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Nemia M. is 40 years old. She lives in the village of Brgy Narawis, Hinigaran, Negros Occidental. Her husband works in an Electric Company in Negros Occidental with a good salary. They have 3 children ages 18 to 22 years, 2 of whom are in college taking Marine Engineering and HRM courses. In spite of her husband's salary, she wants to help him with their children's education.

Nemia started her business in 2004 when she joined NWTF-Project Dungganon and borrowed the capital to invest in a frozen foods business. Different kinds of frozen products are sold from their house, around their community, and in other villages. She is able to earn a minimum of Php 2,000 per month. Most of the income goes to transportation, school expenses, and projects for the schools of her children.

Her previous loan of Php 15,000 as additional capital for her frozen foods sales was fully repaid on time, without any delay. She recently borrowed Php 13,000 for the needs of her business. Income from it will be used to help with the children's education.

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 US$ 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 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
  • 358
    View loans »
    Philippines Loans Fundraising
  • $70,814,925
    Funds lent in using Kiva
  • 46.3
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $300 helped Nemia additional Working Capital.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Nov 12, 2009
Dec 7, 2009
Currency Exchange Loss:
Jun 15, 2010