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Jocelyn A. is a married woman who lives in Purok Paho, Barangay Pacol, Valladolid, Negros Occidental. She earns her living through vegetable vending, growing and selling rice, and dressmaking businesses. Her husband, Manuel A. Sr., who is 45 years old, works as a farmer to earn his living, and also helps in his wife's business activities. They have two children who are 18 and 19 years old.

Jocelyn joined NWTF-Project Dungganon in 2002 because she aspired for something better for her family. With the help of her past seventeen loans from NWTF-Project Dungganon, Jocelyn has been incrementally lifting her family out of poverty by the sweat of her brow. Her previous loan of 19,500 PHP helped her earn a monthly profit of approximately $230, raising the family's standard of living.

This time, for her 18th cycle loan, she is borrowing 25,000 PHP, which she intends to use to buy fertilizers, pesticides and insecticides for the farm so that she can continue to save up for the future education of her children. Jocelyn 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 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 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
  • 451
    View loans »
    Philippines Loans Fundraising
  • $69,733,650
    Funds lent in using Kiva
  • 44.1
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $575 helped Jocelyn fund Operations.
100% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
Aug 27, 2010
Sep 26, 2010
Currency Exchange Loss:
Jul 15, 2011