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Susan R. is a 44-year old married woman who lives in Barangay Prosperidad, San Carlos City, Negros Occidental. She earns her living by selling fruits and vegetables and by making bags. Her husband, Igmedio, who is 48 years old, helps his wife in running the businesses. They have one child who is 12 years old and currently goes to school.

Susan joined NWTF-Project Dungganon (NWTF-PD) in 1998 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 selling fruits and vegetables and by making bags. Now she earns an average monthly income of Php 10,000 from her business activities.

Susan is a member of good standing. Her previous loan of Php 49,500 was used to fund operations of her fruits and vegetables business as well as her bag-making business and it had a positive impact on both the businesses and the family’s living conditions. Now she is borrowing Php 55,000 for her 18th loan which she intends to use as additional working capital.

Susan 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
  • 324
    View loans »
    Philippines Loans Fundraising
  • $70,697,750
    Funds lent in using Kiva
  • 46.3
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,200 helped Susan to use as additional working capital for her businesses.
100% repaid
Repayment Term
7 months (Additional Information)
Repayment Schedule
May 1, 2010
Jul 1, 2010
Currency Exchange Loss:
Nov 15, 2010