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Alicia T. is a 44-year-old married woman who lives in Purok Consing, Barangay Daga, Cadiz City, Negros Occidental. She earns her living by selling the furniture made by her husband, a carpenter, and also by selling fish. Cadiz is a coastal city with a vibrant fishing industry, and many women have small businesses selling dried fish.

Alicia’s husband Jose Jimmy is a carpenter. They have five children from 13 to 22 years old, three of whom are working and help their parents with their household needs and two of whom are currently in school. All of them help their parents with the business as part of their daily chores.

Alicia joined NWTF-Project Dungganon in 2002 in the hope that she would be able to help her husband improve the quality of life of their family. With the help of her loans from NWTF-PD she has been able to earn an average monthly income of PHP 16,000 from her business activities.

Alicia is a member of good standing. Her previous loan of PHP 16,000 was used to fund the operations of her furniture and fish vending. It had a positive impact on both the business and the family’s living conditions. Now she is taking out her 14th loan, for the amount of PHP 18,000, which she intends to use to buy supplies for her furniture-selling business, and also to maintain operations in her fish vending business. Alicia is working hard to achieve her dreams and aspirations for her family, which are to provide them with a brighter future and a more comfortable life. The photo above shows Alicia with her husband standing at the place where the furniture is made.

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

More information about this loan

On Friday November 8, 2013, Super Typhoon Haiyan made its way through Southeast Asia, causing substantial damage to homes and businesses in areas of the Philippines. Given the state of devastation following this storm, borrowers living and working in these areas may have difficulty making repayments on their loans, thus making their Kiva loans higher risk. More 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
  • 331
    View loans »
    Philippines Loans Fundraising
  • $65,925,350
    Funds lent in using Kiva
  • 46.4
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $400 helped Alicia additional capital for her furniture and fish vending business.
100% repaid
Repayment Term
15 months (Additional Information)
Repayment Schedule
Dec 15, 2009
Jan 16, 2010
Currency Exchange Loss:
Feb 15, 2011