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Myrna N. is a married woman who lives in Prk. Bulinaw, Brgy. Zone VI, Cadiz City, Negros Occidental. She earns her living by operating two businesses: she runs a general store and also sells dried fish. Her husband Cesar, who is 55 years old, works as a laborer to earn his living. He also helps in his wife's businesses. They have 7 children who are 18 to 30 years old. Myrna joined NWTF-Project Dungganon in 1999 because she aspired to something better for her family. With the help of her past fourteen loans from NWTF-Project Dungganon, Myrna has been incrementally lifting her family out of poverty. Her previous loan of PHP 10000 helped her earn a monthly profit of PHP 3000, thus improving the family's standard of living. This time, for her fifteenth loan, she is borrowing PHP 13000, which she intends to use to buy more inventory for her general store. She will use the increased income to continue to save up for future home repairs and expansion of her business. Myrna N. 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 on 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
  • 310
    View loans »
    Philippines Loans Fundraising
  • $70,604,925
    Funds lent in using Kiva
  • 43.5
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $300 helped Myrna purchase more inventory to sell.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Sep 24, 2010
Oct 10, 2010
Currency Exchange Loss:
Oct 15, 2011