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Nenita S. is a 56-year-old mother with five grown-up children. She works hard to achieve her simple dreams: to improve the living conditions of her family and to send her youngest child to college to have a good job. Nenita lives in the village of Sitio Nasug-ong, Brgy Caradio-an, Himamaylan City, Negros Occidental. Her husband, Oscar, helps her in the business but only for a limited amount of time because he also has a job.

Because Nenita wanted to help her husband improve their living conditions, she joined NWTF-Project Dungganon in the year 2000 and started her own business. She put up a general store adjacent to her house where it helps her to meet their household needs. As the loans continued, she also invested in a networking business with Avon, Natasha and MSE products. With this additional income, she earns 7000 Philippine pesos (PHP) per month, most of which is saved for college education and household needs.

Nenita's previous loan of 16,000 PHP was used as additional capital for her general store business. This loan was repaid to NWTF-PD in full and on time. Presently, with a loan of 16,000 PHP, she purchased additional inventory for her general store and networking 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 from 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 the community who has earned 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
  • 365
    View loans »
    Philippines Loans Fundraising
  • $70,831,400
    Funds lent in using Kiva
  • 46.3
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $350 helped Nenita to purchase additional inventory for a general store.
100% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
Nov 25, 2009
Dec 11, 2009
Currency Exchange Loss:
Oct 15, 2010