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Bella S. is a 40-year-old married woman who lives in the Brgy 2 in Sipalay City, Negros Occidental. She earns her living by selling frozen products (chicken, hot dogs, etc.) to her community. Her husband helps her in running the business. They have three children aged between 12 and 26. One child is already working and helping to support the rest of the family. The other two children are currently going to school and also helping their parents in the business as part of their daily chores.

Bella S. joined NWTF-Project Dungganon in 1990 in the hope that she would be able to help her husband improve their family's quality of life. With the help of her loans from NWTF-PD she has been able to increase their family income. Now she earns an average monthly income of Php 12,000 from her business activities.

Bella S. is a member in good standing. Her previous loan of Php 29,500 was used to fund the operations of her business, and it had a positive impact on both the business and the family’s living conditions. Now she is borrowing her 19th loan of Php 29,500 which she intends to use to buy inventory (frozen foods) for her business. Bella S. is working hard to achieve her dreams and aspirations for her family, which is to provide them with a brighter future and a more comfortable life.

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 a 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
  • 443
    View loans »
    Philippines Loans Fundraising
  • $70,831,400
    Funds lent in using Kiva
  • 46.4
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $650 helped Bella to buy inventory (frozen foods) for her business.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Dec 16, 2009
Jan 15, 2010
Currency Exchange Loss:
Jul 15, 2010