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Virgintina is a married woman who lives in Cebu. She earns her living by selling fish and operating a local eatery. Her husband Gregorio, who is 63 years old, works as a municipal collector to earn his living and helps in his wife's business activities. They have five children who are between 30 and 42 years old.

Virgintina joined NWTF-Project Dungganon in 2002 because she aspired for something better for her family. With the help of her past 18 loans from NWTF-Project Dungganon, Virgintina has been incrementally lifting her family out of poverty by the sweat of her brow. Her previous loan of PHP 23,000 helped her earn a monthly profit of PHP 11,500, uplifting the family's standard of living.

This time, for her 19th loan, she is borrowing PHP 25,000 to purchase fish to sell so that she can continue to save up for her grandchildren's education. Virgintina 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
  • 390
    View loans »
    Philippines Loans Fundraising
  • $70,831,400
    Funds lent in using Kiva
  • 43.7
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $575 helped Virgintina to purchase fish to sell.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Mar 4, 2011
Mar 20, 2011
Currency Exchange Loss:
Oct 15, 2011