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Nilda is a hardworking wife and mother who dreams to improve the living conditions of her family. She is married to Rogelio, who drives a sugarcane truck during the sugar milling season and farms rice the rest of the time. They have three children who are between 23 to 27 years old and they live in Brgy. Bi-ao, Binalbagan, Negros Occidental.

Nilda already had a general store before she joined NWTF-Project Dungganon in 1997, but she was able to expand her operations by selling her products in the nearby school, earning more income from a bigger customer base. She even expanded to selling food, and this has become a stable source of income, earning about 19,800 PHP per month. Her previous loan of 29,500 PHP was well utilized as working capital for her general store and now she is borrowing the same amount to continue sustaining the business momentum of her general store and food vending 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 achieve 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
  • 320
    View loans »
    Philippines Loans Fundraising
  • $70,648,200
    Funds lent in using Kiva
  • 46.2
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $650 helped Nilda working capital.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Nov 20, 2009
Dec 7, 2009
Currency Exchange Loss:
Dec 15, 2010