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Celia L. is a 40-year-old married woman who lives in Purok 3 Alim, Hinoba-an, Negros Occidental. She earns her living by buying and selling rice and also by a motorcycle transport and farming businesses.

Celia’s husband, Carlito, is a driver and farmer and they have five children: one is already married and four are single.

Celia joined NWTF-Project Dungganon (NWTF-PD ) in 2002 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 through her various business activities which now earns her an average monthly income of Php 10,000.

Celia is a member of good standing. Her previous loan of Php 21,000 was used to fund operations of her rice sales and farming businesses and it had a positive impact on both the businesses and on the family’s living conditions. Now she is borrowing Php 23,000 for her 10th loan which she intends to add to the operating capital of her businesses.

Celia 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 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
  • 556
    View loans »
    Philippines Loans Fundraising
  • $69,906,675
    Funds lent in using Kiva
  • 46.3
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $500 helped Celia to use as additional working capital for her businesses.
100% repaid
Repayment Term
11 months (Additional Information)
Repayment Schedule
May 1, 2010
Jun 1, 2010
Currency Exchange Loss:
Mar 16, 2011