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Victoria A. is a married woman who lives in Sitio Lag-it, Brgy. Okiot, Bais City, Negros Oriental. She earns her living by operating two businesses: a general Store and a fishing business. Her husband Apolinario A., who is 60 years-old, works as a fisherman to earn his living and also helps with his wife's business activities. They have one child who is 22 years-old.

Victoria joined Negros Women for Tomorrow Foundation (NWTF)-Project Dungganon in 1998 because she aspired for something better for her family. With the help of her past 18 loans from NWTF-Project Dungganon, Victoria has been incrementally lifting her family out of poverty by the sweat of her brow. Her previous loan of PHP 19,000 helped her earn a monthly profit of PHP 9,000, thus, uplifting the family's standard of living.

This time, for her 19th cycle loan, she is borrowing PHP 19,000 which she intends to use as additional capital for her sari sari store so that she can continue to save up for the future and to provide additional capital for her business. Victoria A. 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 the poverty 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 to 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
  • 461
    View loans »
    Philippines Loans Fundraising
  • $69,701,375
    Funds lent in using Kiva
  • 46.5
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $425 helped Victoria to provide additional working capital.
100% repaid
Repayment Term
9 months (Additional Information)
Repayment Schedule
Jun 22, 2010
Jul 12, 2010
Currency Exchange Loss:
Feb 15, 2011