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Virginia D. is a 47-year old married woman who supports her family by operating a tailoring business. She lives in Nabantuan hills, Brgy Balintawak, Escalante City, Negros Occidental. By working hard in her tailoring business, she is gradually making her family more economically stable.Virginia aspires to elevate her family's living conditions and insure their future wellbeing by following the Negros Women for Tomorrow Foundation (NWTF) Project Dungganon way.

Virginia has been a member of NWTF-Project Dungganon since 1991 and has improved her living conditions with the help of loans from the NWTF and through her own efforts. She now earns an average monthly income of 5000 PHP. Virginia would now like to borrow 18,000 PHP so that she can have additional capital for her tailoring business. This will be her 18th loan from NWTF-Project Dungganon. Her previous loan of 18,000 PHP, which she paid off well within its term, was just another step in her journey toward economic freedom.

About NWTF: In a world full of challenges, the 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 USD 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 of the community through a lifetime of hard and honest work. Join our team and help NWTF continue its mission to help the poorest in the Philippines by clicking the link to the NWTF Kiva lending team on

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
  • 317
    View loans »
    Philippines Loans Fundraising
  • $70,648,200
    Funds lent in using Kiva
  • 44.1
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $425 helped Virginia additional working capital.
100% repaid
Repayment Term
15 months (Additional Information)
Repayment Schedule
Nov 19, 2010
Dec 17, 2010
Currency Exchange Loss:
Jan 15, 2012