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Meriam P. is a 51-year-old married woman who lives in Brgy Enclaro, Ilog, Negros Occidental. She earns her living by buying and selling nipa (palm leaves that are woven together and used as roofing material for native huts) and operating a fish pond. Meriam’s husband Tirzo helps in running the business, concentrating most of his efforts in the management of the fish pond. They have 5 children who all go to school but, as part of their daily chores, also assist their parents in their business activities.

Meriam joined NWTF-Project Dungganon in 1998 in the hope of improving her family's quality of life. With the help of her loans from NWTF-PD she has been able to increase the family income and now earns an average of Php 10,000 a month from her business activities. She is a member of good standing who used her last loan of Php 29,000 to fund her nipa business. This had a positive impact on both the business and the family’s living conditions. Now she is borrowing Php 29,500 (her 18th loan) to continue improving her business. Meriam 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

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
  • 350
    View loans »
    Philippines Loans Fundraising
  • $65,920,300
    Funds lent in using Kiva
  • 46.5
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $650 helped Meriam additional working capital.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Jan 15, 2010
Jan 26, 2010
Currency Exchange Loss:
Aug 15, 2010