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Neonita S. is 53 years old and her husband, Reynaldo, works as a carpenter. For the past twenty years the couple have tried very hard to have a child but they have not been blessed by one. They live in the village of Barangay Bilan, Hinigaran, Negros Occidental.

Neonita wants only to continue her business and live a simple life. Even though she has no children to care for and prepare for their education, Neonita wants to make their living more comfortable and to save a portion of their income for their future. This triggered Neonita to open a general store. The small business is adjacent to their house where she earns a small amount because she only sells important goods for households until such time as she is able to expand her business which will benefit her.

In 2001, Neonita became a member of NWTF-Project Dungganon and was able to get a loan for her general store. From the loan and business income, her general store is maximized and has contributed tremendously to the family. As her loans continue, her business improves and now earns a minimum of Php 10,000 per month which she uses for their expenses but saves most of it for her future.

Neonita's previous loan of Php 15,000 was utilized for her general store and it was fully repaid in full and on-time without delay. Now on her 14th loan, she is borrowing the same amount of Php 15,000 as an additional working capital 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 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
  • 549
    View loans »
    Philippines Loans Fundraising
  • $69,906,675
    Funds lent in using Kiva
  • 45.9
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $350 helped Neonita to use as additional working capital for her general store.
100% repaid
Repayment Term
9 months (Additional Information)
Repayment Schedule
Nov 25, 2009
Dec 11, 2009
Currency Exchange Loss:
Jul 15, 2010