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Elma is a married woman who lives in Narra, Palawan. She earns her living by operating 3 businesses: an Internet cafe, cosmetic sales and tricycle. Her husband, Alfredo, who is 57 years old, works as a laborer to earn a living and also helps in his wife's business activities. They have four children who are between 16 and 35 years old.

Elma joined NWTF-Project Dungganon in 2003 because she hoped for something better for her family. With the help of her past 11 loans from NWTF-Project Dungganon and her own efforts, Elma has been incrementally lifting her family out of poverty. Her previous loan of PHP 22,000 helped her earn a monthly profit of PHP 10,000, raising the family's standard of living. This time, for her 12th loan, she is borrowing PHP 27,000, which she intends to use to buy computer supplies in order to continue to save up for her children's future education. Elma 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 to a member of a community who has earned 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
  • 369
    View loans »
    Philippines Loans Fundraising
  • $70,797,850
    Funds lent in using Kiva
  • 43.7
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $625 helped Elma to purchase computer supplies.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Dec 10, 2010
Jan 4, 2011
Currency Exchange Loss:
Jul 15, 2011