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"Virginia C. is a 55-year old widow who lives in Purok Starapple, Brgy Vito, Sagay City, Negros Occidental. She supports her family by operating a business of buying and selling dried fish.

She has been a member of NWTF-Project Dungganon since 1994 and has improved her living conditions with the help of her loans from NWTF and through her own efforts. By working hard in her dried fish business, she is gradually making her family more economically stable. She now earns an average monthly income of 8000. Virginia is requesting a loan of PHP 21000 so she can purchase more stock for sale. Her photograph was taken during the center meeting because the stock of dried fish was already sent to buyers early in the morning.

This will be her new loan from NWTF-Project Dungganon. Her previous loan of 19500, which she paid off well within its term, was just another step in her journey toward economic freedom. Virginia aspires to elevate her family's living conditions and insure 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

More information about this loan

On Friday November 8, 2013, Super Typhoon Haiyan made its way through Southeast Asia, causing substantial damage to homes and businesses in areas of the Philippines. Given the state of devastation following this storm, borrowers living and working in these areas may have difficulty making repayments on their loans, thus making their Kiva loans higher risk. More 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
  • 454
    View loans »
    Philippines Loans Fundraising
  • $66,141,500
    Funds lent in using Kiva
  • 43.7
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $500 helped Virginia purchase more stock of dried fish for sale.
100% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
Nov 19, 2010
Dec 9, 2010
Currency Exchange Loss:
Oct 15, 2011