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Teresita M. is a married woman who lives in Prk 2, Barangay Basak, Cauayan, Negros Occidental. She earns her living by operating 2 business ventures: Food vending and farming. Her husband Romeo M., who is 56 years old, works as a farmer and welder to earn his living. He also helps in his wife's business activities. They have 5 children who range in age from 17 to 28 years old.

Teresita joined NWTF-Project Dungganon in 2004 because she aspired for something better for her family. With the help of her past 10 loans from NWTF-Project Dungganon, Teresita has been incrementally lifting her family out of poverty by the sweat of her brow. Her previous loan of PHP 28,000 helped her earn a monthly profit of PHP 10,000, improving the family's standard of living. This time, for her 11th cycle loan, she is borrowing PHP 29,500, which she intends to use to buy ingredients and fertilizer so that she can continue to save to expand her land holdings and buy more livestock in the future.

Teresita M. is a Dungganon woman who is following an honorable path towards the achievement of her dreams.

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 this program, NWTF is empowering 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 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
  • 334
    View loans »
    Philippines Loans Fundraising
  • $70,724,275
    Funds lent in using Kiva
  • 45.8
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $650 helped Teresita to save toward expanding land holdings and buying livestock.
100% repaid
Repayment Term
11 months (Additional Information)
Repayment Schedule
Jun 4, 2010
Jul 1, 2010
Currency Exchange Loss:
Apr 15, 2011