A loan helped to purchase more stock to sell.

Ruby's story

Ruby is a married woman who lives in Talisay City, Negros Occidental. She earns her living by operating three business ventures: a general store, an electronic shop and a mineral water sales business. Her husband Marino, who is 60 years old, works as a technician to earn his living and helps in his wife's business activities. They have four children who are between 26 and 32 years old. Ruby joined NWTF-Project Dungganon in 2002 because she aspired for something better for her family. With the help of her past 28 loans from NWTF-Project Dungganon, Ruby has been incrementally lifting her family out of poverty by the sweat of her brow. Her previous loan of PHP 19,500 helped her earn a monthly profit of PHP 8,400, uplifting the family's standard of living. This time, for her 29th loan, she is borrowing PHP 19,500, which she intends to use to buy items for her store and mineral water so that she can continue to save up for the future expansion of her business. Ruby 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 upon 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 joining the NWTF Kiva lending team at http://www.kiva.org.

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