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Sharlene Margie
Sharlene Margie V. is a 36-year old married woman who lives in Sawangan Brgy Libacao, Himamaylan City, Negros Occidental. She earns her living from her general store business. Sharlene’s husband, Ernesto V. Jr., is a security guard. They have 3 children who are between 1 and 12 years old. The children are currently going to school and also help their parents in the business as part of their daily chores.

Sharlene joined NWTF-Project Dungganon in 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 a general store business. Now she earns an average monthly income of Php 9,000 from her business activities.

Sharlene is a member of good standing. Her previous loan of Php 20,000 was used to fund operations of her general store, and had a positive impact in both the business and her family’s living conditions. Now she is borrowing her 11th cycle loan in the amount of Php 18,000, which she intends to use for her general store. Sharlene is working hard to achieve her dreams and aspirations for her family, which include providing 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
  • 437
    View loans »
    Philippines Loans Fundraising
  • $69,631,975
    Funds lent in using Kiva
  • 44.4
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $425 helped Sharlene Margie for additional working capital.
100% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
Mar 30, 2010
May 1, 2010
Currency Exchange Loss:
Feb 15, 2011