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Milagros A. is a 51-year-old married woman who supports her family by being a retailer of accessories, by being engaged in catering services, and as a maker of candy and give-away products. She lives in San Gregorio Village, Binalbagan, Negros Occidental with her husband, Alberto, and their 18-year-old child who is currently going to school.

Milagros has been a member of NWTF-Project Dungganon since 2008 and has improved her living conditions with the help of her loans from NWTF and through her own efforts. By working hard, her businesses are gradually making her family more economically stable. She now earns an average monthly income of Php 60,000.

Milagros is now borrowing Php 20,000 so that she can continue to purchase additional products for the businesses she has. This will be her 5th loan from NWTF-Project Dungganon. Her previous loan of Php 15,000, which she paid off within its term, was just another step in her journey towards economic freedom.

Milagros aspires to elevate her family’s living conditions and ensure their future wellbeing by following the “Dungganon” way.

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
  • 455
    View loans »
    Philippines Loans Fundraising
  • $69,645,400
    Funds lent in using Kiva
  • 46.0
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $450 helped Milagros to use as additional working capital for her businesses.
100% repaid
Repayment Term
5 months (Additional Information)
Repayment Schedule
Feb 24, 2010
Mar 9, 2010
Currency Exchange Loss:
Jun 15, 2010