A loan of $475 helped additional working capital.


Alma's story

Alma M. is a 56-year-old married woman who lives in Prk. Malabago, Pinaginpinan, Kabankalan City, Negros Occidental. She earns her living through operating her general store and by the buying and selling of rice and corn.

Alma’s husband, Nelson, who is 57 years old, helps his wife in the business and also maintains a job where he earns about $226 month. They have two children who are 28 and 32 years old and have their own families.

Alma joined the Kiva field partner, NWTF-Project Dungganon, in September of 2006 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 income by engaging in her general store and through the buying and selling of rice and corn. Now she earns an average monthly income of $226 from her business activities.

Alma is a member of good standing. Her previous loan of 18,000 PHP was used to fund the operations of her general store and the buying and selling of rice and corn. It had a positive impact on both the business and the family’s living conditions. Now borrowing her 7th loan, in the amount of 21,000 PHP, she intends to use it on her general store and also on her business of buying and selling rice and corn. Alma 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 respect through a lifetime of hard and honest work.



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