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Luz A. earns her living by operating two business ventures: buying and selling vegetables and spices, and a vegetable farming businesses. Her husband, Romeo A., age 45, works as a farmer to earn his living and also helps in his wife's business activities. They have one child, age 11. The family in lives in Upper Ilian, Brgy. Dumarao, Roxas, Palawan.

Luz joined NWTF-Project Dungganon in 2007 because she aspired toward something better for her family. With the help of her past seven loans from NWTF-Project Dungganon, Luz has been working hard and incrementally lifting her family out of poverty. Her previous loan of PHP 16,000 helped her earn a monthly profit of PHP 5,000, which helped to improve the family's standard of living.

This time, for her eighth cycle loan, she is borrowing PHP 18,500, which she intends to use as additional working capital so that she can continue to save up for the future education of their child. Luz A. is truly a Dungganon woman who is following an honorable path towards 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. Dungganon is a Hiligaynon word that means "honorable." Through this alleviation program, NWTF is empowering these women to progress from earning less than $1 a day to achieving realities beyong anything they could have imagined. 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
  • 459
    View loans »
    Philippines Loans Fundraising
  • $69,767,475
    Funds lent in using Kiva
  • 43.2
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $450 helped Luz to use as additional working capital.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Oct 6, 2010
Oct 16, 2010
Currency Exchange Loss:
May 15, 2011