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Sandra B. is a 49-year-old married woman who lives in Prk Patinio, Brgy Bocana, Ilog, Negros Occidental. She earns her living by fishing, retailing water and fattening pigs. Sandra’s husband, Jerry, works as a fisherman and they have three children between the ages of 13 and 19. All of the children currently go to school and they also help their parents with the business as part of their daily chores.

Sandra joined NWTF-Project Dungganon in 1995 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 increase their family's income with her pig fattening, fishing and water retailing businesses. Now she earns an average monthly income of 33,500 Philippine pesos (PHP) from her business activities.

Sandra is a member in good standing. Her previous loan of 19,500 PHP was used to fund the operation of her businesses and it had a positive impact on the businesses and the family’s living conditions. Now she is borrowing her 12th loan of 19,500 PHP which she intends to use on her pig fattening, fishing and water retailing businesses. Sandra 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 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
  • 386
    View loans »
    Philippines Loans Fundraising
  • $70,831,400
    Funds lent in using Kiva
  • 46.7
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $425 helped Sandra additional working capital.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Jan 28, 2010
Jan 28, 2010
Currency Exchange Loss:
Feb 15, 2011