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Gumercinda I. is a married woman who lives in Ibabao, Mactan, Lapu-lapu City, Cebu. She earns her living by operating 2 business ventures: shell handicrafts and an Avon dealership. Her husband, Celestino I. who is 52 years old, works as a woodcarver. They have 5 children who are 13 to 24 years old.

Gumercinda joined NWTF-Project Dungganon in 2009 because she wanted something better for her family. With the help of her past 2 cycle loans from NWTF-Project Dungganon, Gumercinda has been incrementally lifting her family out of poverty by the sweat of her brow. Her previous loan of PHP 6,000 helped increase her monthly profit to PHP 20,000, uplifting the family's standard of living. This time, for her 3rd cycle loan, she is borrowing PHP 10,000, which she intends to use to purchase more materials for her shell handicraft business. She can then continue to save for the future, expand her business and become an exporter of shell handicrafts. Gumercinda I. 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 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 the respect through a lifetime of hard and honest work. Help NWTF continue its mission to help the poorest in the Philippines by clicking the link to the NWTF Kiva lending team on to join our team.

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
  • 338
    View loans »
    Philippines Loans Fundraising
  • $70,624,175
    Funds lent in using Kiva
  • 45.4
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $225 helped Gumercinda to purchase materials.
100% repaid
Repayment Term
5 months (Additional Information)
Repayment Schedule
Jul 23, 2010
Aug 4, 2010
Currency Exchange Loss:
Nov 15, 2010