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Dory D., 45, lives in the village of Brgy. Maquiling, Sagay City Negros Occidental. Her husband helps her in managing their diversified microbusinesses. They have three children and hope that all their children will be able to earn college degrees and get good jobs so that they can have comfortable lives.

To help her husband achieve this dream, she is helping him in their meat vending business. She sells pork and beef meat in the local market. They also buy and sell livestock, such as pigs, cows, carabaos (water buffalos) and many others. They go around the nearby villages and towns to buy livestock and then resell them for meat processing.

Dory joined NWTF-Project Dungganon in 1997, in order to have access to loans to help Dory and her husband sustain their business activities. With the help of loans, she also put put a Carinderia (an eatery) as another source of income for their family, and was also able to buy a small piece of rice land, which her husband now farms. Dory earns an average income of 36,000 PHP per month, some of which she adds to her revolving working capital and saves for the education of their children, after spending for their household expenses.

Her previous loan of 35,000 PHP contributed a lot to expanding the businesses. She used it as additional working capital for her meat vending business and as revolving capital to buy livestock. The said amount was fully paid on time without any delay. Now Dory is borrowing 40,000 PHP, which she intends to use as revolving capital to buy livestock and as additional capital for her food business. She plans to use the income from this loan to start another business so that she can save for a better future for her family.

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
  • 443
    View loans »
    Philippines Loans Fundraising
  • $70,831,400
    Funds lent in using Kiva
  • 46.2
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $875 helped Dory additional capital for her livestock business.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Nov 13, 2009
Dec 7, 2009
Currency Exchange Loss:
Jun 15, 2010