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Joel A. is a 40 year old married man who supports his family by operating 3 business ventures: general store, duck raising, and tricycle transport. He lives in Mantabed, Brgy. Mabini, Valladolid, Negros Occidental.

He has been a member of NWTF-Project Dungganon since 2005 and has improved his family's living conditions with the help of his loans from NWTF and through his own efforts. By working hard in his general store, duck raising and tricycle transport businesses, he is gradually making his family more economically stable. He now earns an average monthly income of PHP 10,000. Joel is now borrowing PHP 19,500 so that he can buy groceries, soft drinks, and rice to sell in his general store. This will be his 10th loan from NWTF-Project Dungganon. His previous loan of PHP 19,500, which he paid off well within its term was just another step in his journey toward economic freedom. Joel aspires to elevate his family's living conditions and ensure their future well-being 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 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
  • 354
    View loans »
    Philippines Loans Fundraising
  • $70,624,175
    Funds lent in using Kiva
  • 43.9
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $450 helped Joel to purchase more stock to sell.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Sep 13, 2010
Oct 1, 2010
Currency Exchange Loss:
Apr 15, 2011