A loan of $450 helped to purchase more stock to sell.


Joel's story

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 Kiva.org to join our team.



Loan details


Lenders and lending teams



Loan details