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Genoviva A. is a 46-year-old married woman who lives in Narcery, Brgy. East, Cauayan, Negros Occidental. She earns her living by operating a general store.

Genoviva’s husband Lorito is a driver and they have five children who are between 9 and 23 years old. Two of their children are currently going to school and help their parents in the business as part of their daily chores.

Genoviva joined NWTF-Project Dungganon in 2008 in the hope that she would be able to help her husband improve the quality of life for 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. Now she earns an average monthly income of PHP 10,000 from her business activities.

Genoviva is a member in good standing. Her previous loan of PHP 12,000 was used to fund operations of her general store and it had a positive impact in both the business and the family’s living conditions. Now she is borrowing her eighth loan in the amount of PHP 15,000, which she intends to use as additional working capital for her general store. She 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
  • 370
    View loans »
    Philippines Loans Fundraising
  • $70,805,925
    Funds lent in using Kiva
  • 46.0
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $350 helped Genoviva additional working capital.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Jun 22, 2010
Jul 17, 2010
Currency Exchange Loss:
Jan 15, 2011