A loan of $575 helped to provide additional working capital.


Josephine's story

Josephine L. is a 42 year old, married woman who supports her family through her general store. She lives in Brgy Suba, Bayawan City, Negros Oriental with her husband and their 4 children who are aged between 16 and 23.

She has been a member of NWTF-Project Dungganon since 2001 and has improved her living conditions with the help of loans from NWTF and through her own efforts. By working hard in her general store, she is gradually making her family more economically stable. She now earns an average monthly income of Php 15,000.

Josephine is now borrowing Php 25,000 so that she can expand her general store. This will be her 7th cycle loan from NWTF-Project Dungganon. Her previous loan of Php 25,000, which she paid off well within its term, was just another step in her journey towards economic freedom. Josephine aspires to elevate her family’s living conditions and to 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.



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