Showing posts with label nwtf. Show all posts
Showing posts with label nwtf. Show all posts

Special Feature: Awesome Women for Tomorrow!

Moving women from poverty to financial independence is a dream that only a handful of organizations have attained.

Standing strong against indicators and factors that microfinance institutions face is what Negros Women for Tomorrow Foundation, Inc. (NWTF) promises, if it is the last thing they would do.

I was fortuitous enough to be able to get the chance to meet the people behind the globally-recognized institution that has changed the way millions of Filipinos have lived. I would like to thank Gadgets Magazine and their judges and partners for recognizing this blog as the winner for the Special Category of the GoodBlog Awards last year and to my teammates and friends for life from the Young Minds Academy (YMA) and shoutout to people NWTF especially to Ms. Presy Alba and Mr. Pachito Genovia for the travel opportunity of my life. Thank you for arranging my itinerary and accommodations. Also I would to extend my gratitude to the staff of South Gate Inn in Kabankalan City, O Hotel in Bacolod City, and Danjugan Island for your hospitality.

Flying from Cebu-Mactan Int'l Airport, I was able to see the green quaint landscape of vast agricultural lands of Bacolod City an hour after departure when the heavenly fluffy clouds had cleared away below my plane window.

What is NWTF?

In more than three decades of operating, NWTF has proven that financially handicapped people are very credit worthy partners contrary to what traditional banks think of them. Reports will show that they have made significant and amazing contributions to nation-building by stimulating the economies of rural areas.

As they have gained economic stability as their home businesses grew, so did their dignity. The organization has expanded socio-economic performance by providing benefits that used to be just a dream to the poor such as scholarships for their children, insurance benefits, dental aid and business marketing and management training.

Over the years, they have emphasized the culture of excellence and partnership which I think brought them to heights they have never imagined.

I was introduced to the NWTF Kabankalan Branch team where major transactions are being done. I met Ma’am Virgie, a loan officer for twenty long years whose motivation to work is the relevance of what she does for others. I also met Ms Aileen Talanguenes and Ms Sharyn Aroz who make sure the paper works are done right. NWTF also offers scholarship to less fortunate but deserving students as well and as for the business loans, they offer a 2.5% interest rate with a rebate of 10% at the end of the term, an offer so generous no mainstream bank would dare counter.


NWTF Achievements

Their new policies, strategies and direction have paved the way for their yearly successes and the divergence between the people working behind have contributed just as much.

In fact, they have sought partnership with Ateneo University, Citi Foundation and Bayan Academy to roll out training courses that will empower their employees as they try to reach organizational goals. Investing in their managers and flying them all the way to the USA is one of their greatest feats in the area of employee development; special thanks to Wharton Business School in Philadelphia, and Harvard Business School in Boston for making it happen.

Known to be blessed with fertile lands, straggling rice plantations are an enlivening common sight. If you move around poetic country roads, you will be welcomed with stately trees lining as you pass by like soldiers welcoming a distinguished guest.


Building a rock solid banking player, their Dungganon Bank Inc. boasts of amazing critieria: 20 million pesos in portfolio, 3,000 active clients and zero portfolio at risk as of 2011.
Expanding to 50 more provinces in Panay, Cebu, Bohol, Leyte, Samar and Palawan, their loan disbursements and portfolio has no way to turn but up.

Buses and tricycles are the main modes of transportation going around the nostalgically attractive kabankalan city negros oriental. Those are zealous farmhands loading sugar canes on their truck at one stop we had, and the one inset is a preacher who discusses relevant scriptures and would ask for donations to make what does sustainable which is actually quite common in Manila as well.
Buses and tricycles are the main modes of transportation going around the nostalgically attractive town. Those are zealous farmhands loading sugar canes on their truck at one stop we had, and the one inset is a preacher who discusses relevant scriptures and would ask for donations to make what does sustainable which is actually quite common in Manila as well.

A fetching sworn seashore that is home to a retired boat is just beautiful for an afternoon stroll. bacolod city
A fetching sworn seashore that is home to a retired boat is just beautiful for an afternoon stroll.

Two fishermen seeking solitude below a sturdy tree before heading on to finish their shellfish harvesting. bacolod city
Two fishermen seeking solitude below a sturdy tree before heading on to finish their shellfish harvesting.


But one metric for their success is the fact that they had been recognized by international entities namely Kiva Microfunds, Vittana and WholePlanet Foundation to name a few.
They received the highest recognition as Triennial Awardee by the Ramon Aboitiz Foundation Inc (RAFI).


Here is my short documentary of NWTF at one of their lively center meetings where members would update the cluster of their business progress, challenges they need assistance with and where they would remit their loan payments for the week...


Seeing how candidly happy they are with each other and how their lives turned out through the group sharing, they'll make you realize that the people behind the organization have done one heck of a job. Something about asking them to watch each other's backs and monitoring each other's progress contributed to the exponential success of NWTF all these years, as they try to venture out to new markets throughout the nation. These women have forged a bond deeper than anything I've ever seen. Their challenges with their home-based businesses and their families have not been toppled in their soft shoulders alone since they have the whole community walking through it with them. kabankalan city negros oriental
Seeing how candidly happy they are with each other and how their lives turned out through the group sharing, they'll make you realize that the people behind the organization have done one heck of a job. It really helps that my vernacular, Bisaya, is quite similar to theirs so communicating wasn't really much of a hindrance. Something about asking them to watch each other's backs and monitoring each other's progress contributed to the exponential success of NWTF all these years, as they try to venture out to new markets throughout the nation. These women have forged a bond deeper than anything I've ever seen. Their challenges with their home-based businesses and their families have not been toppled in their soft shoulders alone since they have the whole community walking through it with them. 

Just a walk away from the hut they have built as a modest community center are the muffled sounds of cute brown piglets seeking refuge with each other in a natural pen in one of the mom-client's business. Also a merchandise of an NWTF client is the refueling center catering to tricycle and motor drivers who ride in the area with a light-hearted warning that she takes no credit, as part of mitigating risk from heartless customers which made me smile. kabankalan city negros oriental
Just a walk away from the hut they have built as a modest community center are the muffled sounds of cute brown piglets seeking refuge with each other in a natural pen in one of the mom-client's business. Also a merchandise of an NWTF client is the refueling center catering to tricycle and motor drivers who ride in the area with a light-hearted warning that she takes no credit, as part of mitigating risk from heartless customers which made me smile.



What is Project Dungganon?

Project Dungganon provides credit of one thousand (P1,000) to hundred thousand pesos (P100,000) to women micro-entrepreneurs. Members form a group of five and organize weekly meetings and what is interesting about it is that they are also responsible in monitoring prompt payment of fellow members. They check on each other to ensure that they have a healthy credit standing with NWTF.

It is also note worthy that they have a supplementary system that enables them to assess how the client will be able to survive. They have devised a strategy that effectively sees the members' innate talents, skills and work experiences that has business potential. Through the IGSS or Income Generating Survival Skills method, clients can define a business plan and lower the portfolio at risk and higher repayment rates as they tend to go about their lives.

When the client has the capacity to expand business from the micro up to the Small and Medium Enterprise level, they then graduate and proceed to a new program, the Project Kasanag.

The first successful client I've met personally was Ms. Cecille Salarde who shines bright with her smile as she welcomes me into her first house's living room. Yes, right now she has a second bigger home reaped from her success. After a very engaging conversation over refreshments, I've learned about how she began with two trays of balut and selling it in the neighborhood personally excreting tears and pain in the process before becoming the mega-entrepreneur she is today. Being awarded by the Citi Foundation for her dedication to give her family and those who work for her a brighter future, she is also a living tribute to the very values that NWTF stands for.

Ms Salarde gives me a tour to her numerous enterprises. Clockwise from top left is one of the dozen salvers of boiled peanuts ready for packing, a balut or a delicious steam duck embryo over a light bulb to assess its freshness and age, one of Ms. Salarde's workers inspects the balut storage cabinets in one of her warehouses and a truckload of pink-tainted salted duck egg which exhumes a very aromatic brine and has become a staple appetizer in Filipino homes. Not in this collage are her three burger stands, sari-sari store and her frozen foods produce.



She has the penchant for brightly colored love birds and the songs they make all throughout the day works just like a charm.



I've also come to notice some adorable pigeons bathing at a puddle nearby like little kids on a beach and they were just ignoring them like a common sight but I really do find it very captivating.

Ladies and gentlemen, the NWTF-Project Dungganon Story...




I've also met Ms Josephine Rico who was elected the Chief of Center 50 who herself had gone through great afflictions before she progressed to be the leader of the women in her neighborhood. She remembers that before NWTF gave her the chance to build her own business, she used to share one whole egg with her husband and her children as a whole day's meal. I wouldn't know what she went through but I can definitely say she is one strong woman to have risen up from her challenges. Nothing ever prepared her of the difficulties of moving away from her hometown in Zambales to be with the man he loves but it all turned out quite amazingly well eventually. With strong faith and hard work, she now operates seven motorcycles, two sari-sari stores, donated a parcel of land to be the community center as shown in the photo and owns two houses.

As their name resounds the very essence of empowering women and their families for tomorrow, NWTF will continue to transform lives of their clients and their families each day.

2 Things You Can Do Now:



  1. Visit NWTF Official Website for more information so that you would have an idea as to how you can participate individually or through your company. There is a cluster in every major city in the country so they're probably not hard to miss.
  2. Wherever you are in the world today, you can easily invest in an NWTF mom at Kiva.com by just using your Facebook Profile




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Earn Free $25 By Helping Others

A revolutionary micro-financing website launched a few years ago. Now with over millions of dollars lent, with a guaranteed 98.99% repayment rate from borrowers, the success of the US-based company lies on how efficient it is in mobilizing crowd-sourced funds to those who need it most, our struggling brothers and sisters all over the world.

I am proud to introducing Kiva. Empowering people and alleviating poverty $25 at a time. 
Choose a borrower. Make a loan. Get repaid. Repeat!


I had a first hand experience on how it was able to change the lives of its loan clients here in the Philippines when I was flown to Kabankalan City, Negros Oriental and meet the people behind the success of the social enterprise.

Negros Women for Tomorrow Foundation Inc. (NWTF), increases its aid to the homemakers by seeking the partnership of Kiva to some of its members. These women are trying to increase family income through setting up businesses in farming, raising hogs, feeding fowls, setting up stalls and selling different kinds of delicacies and on top that, building better homes, all the while exuding grace and joy as I have observed in their monthly meeting at their center; a genuine portrait of Pinoy optimism.



Why Kiva?

  1. It is really simple to use and is free. You can just instantly register using Facebook connect.
  2. Just by signing up, you earn free $25 that you can loan to any micro-entrepreneur in the Philippines.


When you loan someone on Kiva, you are loaning them the chance at a better life, create opportunities and there is nothing better than to be able to change a family's life at your convenience. This is a great opportunity for busy professionals to help out without having to exert so much time, effort or resources.

Step 1. 

Get started today with a one-click sign up process using your Facebook Profile.

Step 2. 

After signing up, you'll get a free $25 where you are given the option to choose who to loan to but I suggest you pick from the women supported by NWTF, read about their stories and how your loan can help them.


Why care?

The whole thing will only take three minutes of your time and if you think that whatever it is you are trying to do online is more important than saving a family today, I respect that, but I will have this on your conscience. It's time to actually care and sending help as convenient as this means lending out love with little to no effort at your part which leaves you with no excuse to defend your apathy. Invest today and see your portfolio grow too.

If you want to learn more about the amazing things about NWTF read about my awesome trip all the way to their headquarters as I get to meet the inspiring women whose lives were forever altered for the best, thanks to the Philippines fastest-growing and most respected NGO today.




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