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Amalia M. is a 46-year old married woman who lives in Brgy. Maitom Siaton, Negros Oriental. She earns her living by fishing and operating a fish vending business.

Amalia’s husband, Edelberto, is 49 years old and is a fisherman. They have one adult child. The family dreams of improving their living conditions and sustaining the needs of their family.

Amalia M. joined NWTF-Project Dungganon in 1999, in the hopes 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 the family's income. Now, she earns an average monthly income of Php 15,000 from her business activities.

Amalia M. is a member of good standing. Her previous loan of Php 10,000 was used to fund operations of her food vending business, and it had a positive impact, on both the business and the family’s living conditions. Now she is borrowing her 16th loan, in the amount of Php 15,000, which she intends to use on the food vending and carinderia (local eatery) business. Amalia 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.

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
  • 300
    View loans »
    Philippines Loans Fundraising
  • $70,622,575
    Funds lent in using Kiva
  • 46.5
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $325 helped Amalia additional working capital for food vending and carinderia (local eatery) business.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Jan 14, 2010
Jan 26, 2010
Currency Exchange Loss:
Aug 15, 2010