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Benny A. is a married woman with two children who are 13 and 14 years old. Her husband, Joefran, is 44 years old and works as a tricycle driver. The family lives in Purok Rubia, a part of Barangay Binobohan, Bago City in the Negros Occidental province on the Western Visayas islands. Benny has three businesses: sugarcane farming, buying and selling dry goods, and raising and selling pigs. Joefran also helps his wife with her businesses.

Benny joined NWTF-Project Dungganon in 2003 because she aspired for something better for her family. With the help of her past fifteen loans from NWTF-Project Dungganon, Benny has been incrementally lifting her family out of poverty by the sweat of her brow. Her previous loan of 20,000 PHP helped her earn a monthly profit of 17,000 PHP, lifting the family's standard of living.

This time, for her sixteenth loan cycle, she is borrowing 29,500 PHP, which she intends to use to pay for more fertilizer for her sugarcane farm. She intends to use the profits to continue saving up for the future education of her children and the expansion of her businesses. Benny A. is a Dungganon woman who is following an honorable path toward 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 its alleviation program, these women have progressed from earning less than a dollar a day to achieving realities beyond their dreams. They are on a life path that will ultimately make them Dungganon—a title of esteem that is bestowed upon a member of a community who has earned 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
  • 428
    View loans »
    Philippines Loans Fundraising
  • $70,831,400
    Funds lent in using Kiva
  • 44.4
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $675 helped Benny to buy fertilizer for her sugarcane farm.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Aug 17, 2010
Sep 16, 2010
Currency Exchange Loss:
Mar 16, 2011