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Elena Q. is a 47-year old married woman who lives in Binucot Pob, Sta. Catalina Negros Orriental. She earns her living by running a general store and also from hog-raising.

Elena’s husband, Fernando, is a 48-year-old truck driver who does his best to provide for his wife and any children that they might have in the near future. Elena joined NWTF-Project Dungganon in 1999 in the hopes 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 a general store and hog-raising business. Now she earns an average monthly income of PHP 6,000 from her business activities.

Elena is a member in good standing. Her previous loan of PHP 19,500 was used to fund the operations of her general store and her hog-raising business. The loan process had a positive impact on both the business and the family’s living conditions. Now she is borrowing her 11th cycle loan, amounting to PHP 19,500. She also intends to use this loan towards her general store and hog-raising businesses. Elena 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 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
  • 317
    View loans »
    Philippines Loans Fundraising
  • $70,604,925
    Funds lent in using Kiva
  • 46.1
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $425 helped Elena additional working capital.
100% repaid
Repayment Term
10 months (Additional Information)
Repayment Schedule
Feb 5, 2010
Mar 1, 2010
Currency Exchange Loss:
Nov 15, 2010