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Arlen C. is a 36-year-old married woman who supports her family by operating two business ventures: seaweed (guso) farming and food vending. She lives in Pulo, Brgy Cervantes, Escalante City, Negros Occidental. She cultures Eucheuma seaweed (guso) along the coast line and sells it as raw material for carrageenan, a very in-demand binder used in food products. Because seaweed farming does not involve constant work, Arlen can earn additional income by selling cooked food, doubling her earning capacity.

She has been a member of NWTF-Project Dungganon since 1996 and has improved her living conditions with the help of her loans from NWTF and through her own efforts. By working hard in her seaweed (guso) farming and food vending businesses, she is gradually making her family more economically stable. She now earns an average monthly income of 15,000.

Arlen is now borrowing PHP 19,000 to purchase seaweed materials and use as additional capital for food vending. This will be her 8eighth loan from NWTF-Project Dungganon. Her previous loan of PHP 19,000, which she paid off well within its term, was just another step in her journey toward economic freedom. Arlen aspires to elevate her family's living conditions and ensure their future wellbeing by following the Dungganon way.

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 joining the NWTF Kiva lending team at

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
  • 445
    View loans »
    Philippines Loans Fundraising
  • $69,718,725
    Funds lent in using Kiva
  • 44.4
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $450 helped Arlen additional capital to sustain her seaweed business.
100% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
Aug 31, 2010
Sep 18, 2010
Currency Exchange Loss:
Jul 15, 2011