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Emma is a married woman who lives in Madredijos, Bantayan Cebu. She has a stall in the market where she cooks and sells barbecued food: chicken, port, etc. She also buys and sells dried squid to augment her income. Her husband Jerson, who is 36 years old, works as a vendor to earn his living and helps in his wife's business activities. They have six children who are between 3 and 13 years old.

Emma joined NWTF-Project Dungganon in 2005 because she aspired for something better for her family. With the help of her past 14 loans from NWTF-Project Dungganon, Emma has been incrementally lifting her family out of poverty by the sweat of her brow. Her previous loan of PHP 28,000 helped her earn a monthly profit of PHP 12,000, uplifting the family's standard of living.

This time, for her 15th loan, she is borrowing PHP 29,500 to purchase ingredients for her food business as well as buy more stocks of dried squid to resell. Emma is working hard so that she can continue to save up for the future expansion of her business. Emma is a Dungganon woman who is following an honorable path toward the achievement of her dreams.

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
  • 506
    View loans »
    Philippines Loans Fundraising
  • $69,838,675
    Funds lent in using Kiva
  • 43.5
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $700 helped Emma buy ingredients for her food production business and buy more dried squid.
100% repaid
Repayment Term
5 months (Additional Information)
Repayment Schedule
Mar 4, 2011
Mar 20, 2011
Currency Exchange Loss:
Jul 15, 2011