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NEGROS WOMEN FOR TOMORROW FOUNDATION


WORKING FOR
A BETTER TOMORROW



Empower people around the world with a $25 Loan





Graduating A Generation Beyond Poverty

Vision | Mission | Goals




Our Work







Project Dungganon: A project of NWTF

is the Hiligaynon word for “honorable.” A project of NWTF, it aims to help poor women from rural communities achieve self-reliance and rise above the mire of poverty by providing them with the training and the credit to maintain or start their own small business ventures. By allowing clients to access collateral-free credit through loans and other services, Dungganon helps them discover their own entrepreneurial spirit and realize their potential to effect positive change.











Project Kasanag: A project of NWTF

means “light” in Hiligaynon. Another project of NWTF, it targets rural and urban micro-entrepreneurs. It provides low-interest individual loans meant to help them acquire the assets and capital to maintain their businesses. Kasanag also offers client-support services, such as business evaluations and entrepreneurial seminars to help clients grow their businesses.


Client Profile



NWTF’s clients are women from the poorest sectors of society. These mothers and wives struggle to provide the basic needs for their families. We at NWTF hope to give them the tools to not only do so, but to live dignified and independent lives as well.

CLIENT TARGETING TOOLS

NWTF employs a number of tools to help us directly identify our target clientele. We aim to provide our services to as many poor women and their families as possible.

Poverty Mapping is, quite simply, the creation of a map of a given area. This process helps us assess a locality’s economic situation, and directly identify the poorest households in the community.

The Progress out of Poverty Index, or PPI, allows us to ascertain our clients’ living conditions and economic situations firsthand. It gives us an overview of our client’s economic situation and lets us track her status over time. It includes a scoring system that determines whether or not an individual fits into NWTF’s target client criteria.

CLIENT DEVELOPMENT

NWTF takes the adage, “Give a man a fish and you’ve fed him for a day; teach a man to fish and you’ve fed him for a lifetime,” to heart by providing our clients with the tools and information to realize their own potential.

Compulsory Group Training is a compulsory 3-day training course meant to teach client groups about our policies, principles, and procedures; and to reinforce the group’s sense of accountability and responsibility to one another.

The Group Recognition Test, or GRT, allows us to ensure that each member of our clients’ 5-member group has sufficient income-generating and survival skills to create a sustainable livelihood, understands how to manage her credit-line, and is willing and able to exercise good credit discipline.

Branches


Financial Indicators

Gross Loan Portfolio USD, 2011: Number of active borrowers 2011:
14.7 million 117,079
Average loan balance per borrower USD, 2011: Deposits USD, 2011:
125.3 4.8 million
Assets USD, 2011: Number of depositors 2011:
20.6 million 117,079
Mission: The mission of NWTF is: To provide sustainable financial and client-responsive developmental services to the poor.

Their vision is: To be a sustainable institution of change: Building vibrant, Dungganon communities.
Background and Main Challenges: NWTF is a non-governmental organization that aims to empower women economically and socially by giving them access to financial assistance using the credit methodology patterned after the Grameen Bank in Bangladesh. It seeks to become a leading and fully sustainable micro-finance institution.
Address: 102 San Sebastian/Verbena Streets
Bacolod City
6100
Philippines
Phone: 63 34 4323720
Fax: 63 34 433 0228
Email: info@nwtf.ph
Website: www.nwtf.ph
Main Funding Sources: Grants
Loans
Savings
Products and Services: Loans
Looking for (Investment Types): Guarantees
% Operations Comprised by MF: 91 - 100
Date established: Jan 1 1984
FYE: 31-Dec
Current Legal Status: NGO
Regulated: no

Our Partners


2012
•    Dungganon Bank Inc. opened its first branch at Bantayan, Cebu.
•    NWTF received the Ramon Aboitiz Foundation, Inc.(RAFI) Award (the Nobel Peace Prize equivalent in Asia)

•    Project Dungganon, a project of NWTF, opened 13more branches, bringing the total number of branches to 77.
2011
•    DMIS deparment of NWTF spun off into a separate company: DO-IT (Dungganon Office of Information Technology) Foundation.
•    The results of the Cerise Social Audit by Kiva demonstrated NWTF's remarkably well-rounded achievement in targeting and outreach of clients. As a result, Kiva awarded NWTF with five (5) badges recognizing its social performance strengths.
•    NWTF was one of the microfinance founding members of MiDAS, a datashare initiative to address the increasing problem of over-indebtedness and overlapping of MFI memberships among their clients.
•    NWTF was chosen as an implementing partner of Whole Planet Foundation.
•    The Microfinance Council of the Philippines (MCPI) rated NWTF in the standards of the Smart Campaign. The findings showed consistency in the vision-mission of NWTF.
•    Gabrial Natividad of Roxas, Palawan (Maunlad Luzon Awardee)
•    Project Dungganon, a project of NWTF, opened 6 more branches, bringing total number of branches to 64.
2010
•    Ester Lumbo of Calatrava, Negros Occidental (Masikap National Awardee)
•    Mary Jane Reyes of Mabinay, Negros Oriental (Masikap Visayas Awardee)
•    Enrico Jingco of Murcia, Negros Occidental (Maunlad Visayas Awardee)
•    Sonia Palmes of Barangay Minoyan, Murcia, Negros Occidental (Sikap National Awardee)
•    NWTF Project Dunggaon in cooperation with Rotary Club of Bacolod-West, Rotary Club of Richmond Sunrise, Rotary Club of Port Coquitlam Centennial and Dentistry with Heart held in Atleta Gym, Talisay City from March 1 to 4, 2010. Canadian Ambassador Mr. Robert Desjardins graced the event.
•    Project Dungganon, a project of NWTF, opened 6 more branches, bringing total number to 58.
2009
•    NWTF celebrated its 25th anniversary at the USLS Coliseum, Bacolod City, Negros Occidental. The book of '25 women stories dreams' highlighting success stories of 25 NWTF clients was published to mark this milestone.
•    Dr. Cecile del Castillo attended as a guest speaker to the Graduate school of USLS and awarded the Signum Lassalianum Award
•    Introduced innovative, environmentally friendly products (e.g solar lamps), to maximize savings and earnings for NWTF clients.
•    Citibank Microentrpreneur of the Year Winners Shirley Ecot (Maunlad) and Virginia Lubguban (Masikap Awardee)
•    Project Dungganon, a project of NWTF, opened another branch in Palawan, bringing total number of branches to 52.
•    NWTF partnered with KIVA
2008
•    Client Services Department was created to maximize the potentials of Client's Income Generating Survival Skills (IGSS)
•    The Social Performance Management Committee was formalized.
•    The Provincial Government of Negros Occidental asked NWTF to be a custodian for the Renewable Energy Program which was funded by ADB.
•    Project Dungganon, a project of NWTF, opened 3 more branches, bringing total number to 51.
2007
•    Microentrepreneur of the Year Award for Inspiring Story Category was given to Ma. Cecilia David Salarda
•    Miss Wilhelmina Gonzales received the "Ang Banwahanon Award" in Bacolod City.
•    Dr. Cecile del Castillo is awarded the "Most Inspiring Entrepreneur Award" by Go Negosyo at USLS, Bacolod City

•    Dr. Cecile del Castillo is one of the finalists for the 2007 Ernst & Young Entrepreneur of the Year award.
2006
•    NWTF partnered with Grameen Foundation USA to pilot the Village Phone Banking in Negros and to address the telecommunication gap in rural areas.
•    The City Government of Puerto Prinsesa asked NWTF to be the custodian for their Trike Fund Loan, a project funded by Asian Development Bank (ADB) Poverty and Environment Program.
•    NWTF adopted Poverty Progress Index (PPI) methodology to measure social progress.
•    Sukor Kasim came back to NWTF assess Grameen model implemented in NWTF.
•    Rocky Moon Foundation gave a grant to NWTF through Give 2 Asia Foundation, together with a generous contribution from the Department of Trade and Industry by developing and providing Five Training Modules for the clients.
•    Project Dungganon, a project of NWTF, opened 2 more branches, bringing the total number to 48.
2005
•    Dungganon Bank Inc., the first microfinance thrift bank in Western Visayas, was opened.
•    Microcrop Loan was offered for small farmers
•    NWTF held a Dungganon Congress at Bago City in celebration of the International Year of Microcredit
•    Mrs. Jerilyn Lucarez, a client of NWTF, received the Citibank Microentrepreneur of the Year Visayas Regional Winner for the Maunlad Category.
•    Mrs. Virginia Borde, a client of NWTF, receieved the Citibank Microentrepreneur of the Year National Winner for the Maunlad Category.
•    Receieved Best Performing Microfinance Institution in Cebu (2005), awarded by Cebu Microfinance Group
•    Dr. Cecile del Castillo was awarded the Banwahanon Award during the charter day celebration in Bacolod City
•    Dungganon,a project of NWTF, opened another 7 branches, bringing total number to 46.
2004


•    Scholarship program was introduced
•    Dungganon, a project of NWTF, opened 5 more branches, bringing total number to 39.


2003

•    NWTF award by PCFC: a) Special Citation Award as the Microfinance Insitution Parnter with the Biggest Microfinance Portfolio b) Plaque of Recognition and Appreciation for "Flagship Microfinance Institution Parnters, Outreach and Areas of Operations"
•    Dungganon, a project of NWTF, opened 6 more branches, bringing total number to 34.

2002
•    NWTF opened its first branch in Palawan.
•    Dungganon, a project of NWTF, opened 4 more branches, bringing total number of branches to 28.
•    Ms. Emma Morales, a client of NWTF, received a Citibank Outstanding Entrepreneur of the Year Award - Regional Level.
•    NWTF signed a formal agreement with Mercantile Insurance Co. Inc. (MIC) to introduce comprehensive insurance and full retirement packages for its members.
•    NWTF became a recipient of the Rotary International Volunteer Program from Canada.
2001

•    Dungganon, a project of NWTF, opened another 5 branches, bringing total number to 23.
•    NWTF had an Impact Assessment (IA) on client satisfaction using the customized Assessing Impact of Microfinance (AIM) Tools.

2000

•    Project Kasanag, a microlending project for small and medium enterprises, was formally launched.
•    NWTF went into a Partnership Agreement with Women's World Banking (WWB)
•    Accredited as a donee institution by Philippine Council for NGO Certification (PCNC)
•    Dungganon, a project of NWTF, opened another branch, bringing total number to 18.

1999
•    Dungganon, a project of NWTF, open 2 more branches, bringing the total number to 17.
•    Dr. Cecile del Castillo presented at the Myanmar Women Entrepreneurs Association in Yangon, Myanmar
•    Dr. Cecile Del Castillo was one of the facilitators for the Microcredit Summit Meeting in the Ivory Coast
•    NWTF participated in the Rotary International Convention in Singapore
•    NWTF partnered with RISE (Responsible Investment for Solidarity and Empowerment)
•    Partnered with CASHPOR - Philnet in measuring social impacts of microfinance in the rural context of the Philippines, using the 5 AIM tools. The first impact assessment in Asia was supported by USAID.
•    Project Dungganon of NWTF unite efforts with other CASHPOR - PHILNET member organizations to utilize the 5 AIMS tools that is customized to fit the rural Philippine context. USAID is supporting the first impact assessment in Asia.
1998
•    Dungganon, a project of NWTF, opened 4 more branches, bringing the total number to 15.
•    Dagmar Edye and Olaf Neusner from the German Development Services (GDS) visited NWTF to study social development impactsmade by Project Dungganon.
•    Project Dungganon participated in the Rotary Club International Village Bank Program
•    Dr. Cecile del Castillo is a moderator in the First Annual meeting of Councils of the Microcredit Summit held in New York.
1997


•    Celebrated 10th year anniversary for Project Dungganon
•    Dungganon, a project of NWTF, opened another branch, bringing the total number to 11.


1996
•    Received the Regional and National Award from the Department of Trade and Industry, Tulong sa Tao Program
•    Received Institution-Building grant from CARE
•    Received a Trust fund grant from CRS
1995

•    Opened 3 more Project Dungganon branches, bringing the total number to 10.
•    IFAD invited Dr. Cecile del Castillo, the Executive Director of NWTF, to participate in the NGO Forum in Rome where she was elected as an NGO representative for a term of 2 years.

1994

•    NWTF received a series of direct assistance from Grameen Bank
•    Sukor Kasim became a consultant for NWTF
•    Grameen Exposure Dialogue was held in the Philippines

1992


•    NWTF partnered with Catholic Relief Services (CRS)


1990

•    Professor Muhammad Yunus made his 1st visit to the Philippines
•    Dungganon, a project oF NWTF, opened 3 more branches in Negros, bringing the total number of branches to 7.

1989
•    Dungganon, a replication of Grameen, opened its first 4 branches in Binalbagan, Victorias, Hinoba-an and San Carlos.
•    NWTF invited Sukor Kasim to check on the Grameen system being used for Project Dungganon.
•    DR. Cecile del Castillo appointed as the President of two prominents microfinance-related NGOs: Cashpor and Philnet.
1988


•    Dr. Cecile was part of a pioneer Task Force flying to Bangladesh to study the Grameen credit metholodogy, under a request by Governor Danilo Bitay Lacson.


1987


•    Dr. Cecile del Castillo becomes a provincial board member of Negros Occidental


1986


•    Registered Negros Women for Tomorrow Foundation, Inc. as a corporation with Securities and Exchange Commission


1985


•    Formed the cooperative Project Kababaihan


1984


•    The three Directors sowed the first seed of NWTF, under co-op style Mother Bakery Project


Awards and Rec

Awards & Recognition

INSTITUTIONAL AWARDS AND RECOGNITIONS


  • Eduardo Aboitiz Award for Outstanding Institution ⇒
      22 March 2012

    • RAFI TRIENNIAL AWARDS

      The Eduardo Aboitiz Award for Outstanding Institution is open to all institutions/organizations (government organizations, non-government organizations, people’s organizations, and other private institutions), established for at least three years with functional programs and services that have built dedicated partnerships with other groups in bringing about comprehensive and responsible development.

      http://rafi.org.ph/triennialawards/about-the-awards/categories/#outstanding-institution

      http://rafi.org.ph/newsletter-webcast-podcast/5thrtabook/
  • KIVA 5 SOCIAL PERFORMANCE BADGES ⇒
      1 January 2012

    • KIVA

      a. Anti-Poverty Focus
      b. Family and Community Empowerment
      c. Entrepreneurial Support
      d. Facilitation of Savings
      e. Innovation

      http://www.kiva.org/partners/145
  • MIX GOLD LEVEL AWARD ⇒
    • Microfinance Information Exchange

      Award for reporting Social Indicators in 2011
  • M-CRIL Social Rating ⇒
    • 2008

      http://www.m-cril.com
  • SIPAG Awards Plaque of Recognition ⇒
      25 September 2006

    • National Livelihood Support Fund

      NLSF 25th Anniversary Celebration
      Vital contribution to the government's poverty alleviation strategy by being an NLSF Development Partner in providing microfinance services in the agrarian reform communities.
  • Certificate of Recognition from the City of Bago ⇒
      19 February 2006

    • CITY OF BAGO, Negros Occidental, Philippines

      For the firm commitment in uplifting the lives of the populace through Community Development Program
  • PLAQUE OF RECOGNITION ⇒
      31 August 2005

    • National Anti-Poverty Commission + Provincial Government of Cebu

      Outstanding Microfinance Institution
  • PCFC Plaque of Recognition & Appreciation ⇒
      14 September 2003

    • Peoples Credit & Finance Corporation

      Having successfully extended microfinance services to 45,783 marginalized clients in Negros Oriental & Occidental, Cebu, and Palawan



CLIENT AWARDS AND RECOGNITION
Citibank Microentrepreneur of the Year Awards - CITI – MOTY AWARDEES



  • Natividad Gabriel ⇒
    • Awarded in 2011

      http://www.microfinance
      council.org/2011-citi-microentrepreneurs-of-the-year
  • Nora Bagaforo ⇒
    • Awarded in 2010

      http://www.microfinance
      council.org/8th-citi-microentrepreneur-of-the-year-awardees-bared
  • Mary Jane Reyes ⇒
    • Awarded in 2010

      http://www.microfinance
      council.org/8th-citi-microentrepreneur-of-the-year-awardees-bared
  • Ester Lumbo ⇒
    • Awarded in 2010

      http://www.microfinance
      council.org/8th-citi-microentrepreneur-of-the-year-awardees-bared
  • Virginia Lubguban ⇒
    • Awarded in 2009
  • Shirley Ecot ⇒
    • Awarded in 2009
  • Ma. Cecilia Salarda ⇒
    • Awarded in 2007

      http://www.microfinance
      council.org/2007-citi-microentrepreneur-of-the-year-awards
  • Jerilyn Lucareza ⇒
    • Awarded in 2005

      http://www.microfinance
      council.org/2005
  • Virginia Borde ⇒
    • Awarded in 2005

      http://www.microfinance
      council.org/2005-microentrepreneur-of-the-year-awards-profile-of-winners
  • Julie Villanueva ⇒
    • Awarded in 2004

      http://www.microfinance
      council.org/2004-microentrepreneur-of-the-year-awards-profile-of-winners-2
  • Emma Morales ⇒
    • Awarded in 2002

      http://www.microfinance
      council.org/2002-microentrepreneur-of-the-year-awards-profile-of-winners


















Success Stories

.
Mercy Casibo, Hinobaan
(Fishing Boats, Fish Retailing)

Before joining Project Dungganon in 2002 Mercy Casibo of the municipality of Hinobaan, Negros Occidental was a housewife and, occasionally, an itinerant fish vendor. On the other hand, her husband Eden sought income as a day-laborer. What they brought in was sufficient for their day-to-day needs, but when the eldest of their four children grew ill, they did not even have enough money for a PhP10 fare to the hospital. This event served as a turning point in the Casibos’ lives; driving them to use the resources at their disposal to attempt to better their circumstances and start a small fishing business. Mercy’s first loan with Project Dungganon went to her fish and shell-vending business, and maintenance of the family fishing boat. With clear-minded determination, financial savvy, and assiduous effort, Mercy and Eden were able to keep up with their loan repayments, grow their businesses, and even provide employment for members of their community. Eventually, the Casibos’ business grew so successful, that they were able to acquire a tricycle, a multicab, and two large motorboats for their operations. They were also able to build their own house and send all of their children to school with the profit from their business. “We are very thankful that Project Dungganon trusted us with their loans,” Mercy says, “...They gave us something that cannot be measured by money alone. The changes in our lives, the projects we have invested in, and our growing business all serve as proof that it is possible for a poor person like me to rise above poverty. It is a gift from heaven.”
.
Jocelyn Flores Sanipa, Hinigaran
(Fishing boat, Sari-Sari Store)

Life wasn’t easy for Jocelyn Flores Sanipa. She was tenth in a brood of thirteen children, and her father had been a small fisherman with barely enough income to keep his large family fed. At twenty-one, she eloped with Joel Sanipa, a deep-sea diver from Sagay. Joel’s occupation required him to be constantly on the move in search of the next big catch, and they had no permanent home to which they could return. Eventually however, the Sanipa family settled down in Tagda, in the municipality of Hinigaran, where they were faced with a different trial altogether: a community raddled by gambling and vice. Luckily, Jocelyn was more than up to the task of creating a safe home and a secure future for their children. Her first Project Dungganon loan went into putting up a sari-sari store, but she was able to gradually increase her loans, expand her business, and help her husband Joel increase the productivity of his deep-sea diving business. Eventually, she even gathered enough resources to buy her husband two small fishing boats. An unfortunate run-in with an unscrupulous buyer forced the Sanipas to sell their fishing boats and put their business on hold, but it wasn’t enough to defeat this plucky couple. With the dedication and discipline of a true dungganon, and a little help from NWTF’s financial products, Jocelyn was soon back on her feet and thriving. Her business assets now include six baby shippers, a big fishing boat, a truck, and a community store. With the profits from these businesses, the Sanipa couple were able acquire a two-storey house, land, and a stable future for their children.
.
Shirley Ecot, San Carlos
(Fritzie’s Peanuts)

Shirley Libunao-Ecot’s mother taught her that owning her own business was better than becoming an employee. Young Shirley took those lessons to heart, and she went from being a salesgirl in a bakery in Cebu, to one of the most influential pasalubong (homecoming gift/snack) entrepreneurs in San Carlos. Very few people pass by the city of San Carlos in Negros Occidental without stopping for some baked peanuts, and one of the most popular baked peanut brands on the local market today is Fritzie’s Baked Peanuts. Shirley and her late husband, Alexander Ecot, had their start in Cebu, where they peddled peanuts, candies, and cigarettes to motorists on the street. With Shirley’s keen eye for business, they soon caught on to the marketability of salted peanuts, and when they moved to San Carlos –Shirley’s home town- they obtained a small market stall and sold peanuts as their main product. Unfortunately, the couple struggled in San Carlos, as local loan sharks’ interest rates drained their business’s resources. Luckily, in 2002, they were able to turn their business around with Project Dungganon’s collateral-free loans. Thanks to their good repayment records, strong business sense, and diligence, they obtained larger and larger loans, and were eventually able to purchase land so that they could grow and house their own supplies. Things didn’t always go smoothly for Shirley Ecot though. In 2008, Alexander Ecot passed away. Alexander’s loss has left its mark on Shirley, but it has not defeated her. Today, her businesses continue to grow, her product line continues to expand, and Shirley continues to prove that with hard work, street smarts, and a lot of spirit, something as small as a peanut can make a huge difference.


.
Josie de la Cerna, San Carlos
(Banig Bags)

As newlyweds, Josie and Johnny de la Cerna lived in a bamboo-and-coconut-frond hut, and their only means of livelihood was a small sari-sari store financed by Josie’s grandfather. The young couple’s prospects did not look promising; Josie’s formal education ended in the sixth grade, and Johnny only had one year of high school education under his belt. Josie had bigger dreams though; despite her lack of formal education, she had a strong sense for quality and design, a sharp eye for opportunity, and keen business sense. When she was a little girl, Josie’s mother taught her how to weave jewelry boxes out of the pandan leaves growing abundantly in the local countryside. In the mid-eighties, Josie decided to put her skills to the test by taking orders from a bag exporter from Bacolod City through NACIDA (National Cottage Industry and Development Authority), a now-defunct government office in her hometown, Calatrava. By the time NACIDA had stopped operating in Calatrava Josie was regularly supplying bags, jewelry boxes, and other woven products to customers in Bacolod. Many of the other members of her community –mostly women- had similar weaving skills, and she provided them with employment by training and hiring several to help her fill orders. Eventually, even her husband Johnny learned how to make bags too. When Project Dungganon opened a center in her barangay in 1996, she was one of the first women to join. An initial loan of PhP2,000 was used to expand her sari-sari store, and subsequent loans were spent on the continued growth of her handicraft business. Today, she supplies tens of thousands of bags, throw pillows, and other woven products to both domestic and export markets, has over a hundred employees, and has explored other businesses, such as swine-raising and sugarcane farming. Out of the profits from her businesses, she and Johnny have gone from a small, hand-built bamboo hut, to a two-storey concrete house. “Be passionate about what you are doing. Value your work, your time, and your dreams,” Josie advises. “Believe in yourself and in what you can accomplish, and above all else, believe in God.”
.
Melinda Sumido, Bantayan
(Squid Retailing)

Melinda Sumido married at the age of seventeen, and the new couple’s assets essentially amounted to one small pump boat. Melinda’s husband used it to catch squid, which Melinda would sell to local buyers. The income they made from this small business was barely enough to keep their family fed, but it sustained them for the better part of twelve years. In 2001, one of Melinda’s neighbors invited her to join Project Dungganon. It marked the beginning of a new phase in Melinda Sumido’s life. Melinda used the proceeds from her first loan, PhP3,000, to augment her husband’s catch and sell that bigger catch to a commercial squid-processing company. The Sumidos then used the profits from their extended operations to expand their squid business and eventually buy a second pump-boat. Thanks to her excellent repayment record and her strong business sense, Melinda continued to take out larger and larger Project Dungganon loans, and was eventually able to purchase another, larger pump boat. This allowed the Sumidos to bring in an even larger catch. But Melinda didn’t stop there. She and her husband invested in land; buying the plots in the area where their little hut stood so that they could put up a sturdy, concrete structure to house their growing family. They also invested in piglets for a swine-raising business that would help them weather the squid-catching off-season. Life looked like smooth sailing for the Sumido family, but it wasn’t long before terrible storms buffeted their lives once more. Melinda’s husband suffered a mild stroke and could not continue fishing for squid, and their second child had to undergo surgery and stop going to school for two years. They had to sell off their large pump boat to keep up with all the expenses. In 2008, their family was hit by the most devastating tragedy yet. Shortly after Melinda gave birth to their youngest child, their eldest son passed away. The heartbreak shook Melinda to her core, but she refused to be conquered. With a strength and conviction born out of love for her family, she harnessed the business sense and entrepreneurial spirit that had made her squid-catching business a success, and opened a sari-sari store near their house. Rather than weighing her down, the work of juggling several businesses while caring for her family actually helped Melinda recover from her grief. The storm finally passed in 2009. Melinda’s husband became healthy enough to return to squid fishing, their swine-raising business thrived, and their squid business expanded. Since then, the Sumido family hasn’t lost their momentum; their losses have only served to make them even stronger. While Melinda’s experience has proven that life is not always smooth sailing, she has proven that she has the spirit and the smarts to weather the storm.

Other Services

Training Program Training Halls & Facilities Accommodation
1. Citibank Management Development Program

The Citibank Management Development Program is a joint collaboration between Women’s World Banking and Citigroup. The course is tailor-made for the microfinance context, and its content and delivery are relevant to all microfinance managers in the Philippines and elsewhere.

NWTF has several accredited trainers who took the course in Manila, India and Cambodia. The organization has conducted MDP training with different MFI partners across the country since 2004.

2. SEDPI – Social Enterprise Development Partnerships, Inc. Ateneo Microfinance Capacity Building Program Ateneo de Manila University

SEDPI trainers administer customized training services for microfinance and social enterprise stakeholders.

1. Fundamentals and Methodologies of Microfinance
2. Market-Based Financial Product Design and Development
3. Delinquency Management
4. Financial Analysis
5. Financial Mainstreaming of Microinsurance and Savings
6. Risk Management, Internal Controls and Audit
7. Strategic Planning for Microfinance
8. Managing Human Resource for Microfinance Institutions
9. Marketing Microfinance Products and Services
10. The New Frontier: Linking Microfinance and Remittances
11. Financial Management for Microfinance Institutions
12. Governance and Managing MFI Growth
13. Social Entrepreneurship
14. Character and Capacity-Based Lending
15. Making Markets Work for the Poor: Beyond Business Development Services
16. Financial Literacy for Remittance Receivers



-------------------------------
For more information contact:
Maria Theresa R. Nunez
Training Manager
T + 63 34 432 3720 local 251
C + 63 918 820 0100
E: training@nwtf.ph
 NWTF CONFERENCE & SEMINAR VENUE

The NWTF building is equipped with a 264 square meter (2,847 square feet) meeting space that can accommodate groups of up to 220*. The venue can be divided into separate spaces to cater to smaller groups, or booked as a whole.

A range of audio-visual capabilities and equipment are available.

- Flexible space
- Unbroken site line – no pillars!
- Stage and Lectern
- Sound System and microphones
- LCD Projector and Screen
- Complimentary High-speed and wireless Internet access
- Catering available

You may opt to arrange the space for all types of business occasions:

Boardroom: optimal for business meetings
Theater: accommodates large numbers for professional presentations
Cabaret: seating for groups around tables for collaborative work
Horse-shoe / U-shaped: perfect for training, encourages interaction and open-discussion
Open Space: ideal for truly interactive meetings

* Theater-type seating arrangement. Capacity varies depending on room arrangement.

-------------------------------
For more information contact:
Ruth G. Campos
Building Administrator
T + 63 34 432 3720 local 107
C + 63 918 820 0111
E: rgcampos@nwtf.ph




NWTF ACCOMMODATIONS

Accommodations for convenient overnight stay are available with 15 rooms for 2 - 4 individuals. A dormitory-style room is also conveniently prepared for large parties of up to 26.

For more information, contact:

-------------------------------
For more information contact:
Ruth G. Campos
Building Administrator
T + 63 34 432 3720 local 107
C + 63 918 820 0111
E: rgcampos@nwtf.ph




Get Involved


NWTF takes a holistic approach to poverty alleviation, coupling access to finance with significant and instrumental development services for our clients.

These services include business & livelihood workshops, training courses, medical & dental missions, and more.

NWTF welcomes any organization, enterprise or individual inclined to share their knowledge & expertise with our clients.

If you would like to make a contribution to their lives and share your skills, send an email to

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Dr. Cecilia del Castillo of NWTF
wins the Leading Woman in Public Sector Award
April 15, 2013 Written by: Anonymous
Dr. Cecilia del Castillo of NWTF wins the Leading Woman in Public Sector Award

NWTF (Negros Women for Tomorrow Foundation) Executive Director, Dr. Cecilia del Castillo was named “Leading Woman in Public Sector” by the WIL Achievement Awards in cooperation with Monster.com in Kuala Lumpur, Malaysia on March 28, 2013.

The Leading Woman in Public Sector Award is given by the WIL Achievement Awards in recognition of the efforts and initiatives of a female leader in the public sector that promote development.

The WIL Achievement Awards were presented to outstanding leaders in the region on the first day of the Women in Leadership Forum Asia 2013 that was held at the Royale Chulan Hotel in Kuala Lumpur on March 28-29, 2013. The winners in the other four (4) categories are as follows:

1. Leading Woman of the Year:ShintaWidjajaKamdani - Managing Director of Sintesa Group, Indonesia;
2. Most Innovative Woman Entrepreneur of the Year: Winie Loo – Founder and Chief Creative Director, A Cut Above Group of Salons & Academy, Malaysia
3. Male Champion of Change: DatukMohd Bakke Salleh – Group Chief Executive and President of Sime Darby Berhad, Malaysia; and
4. Most Women-Friendly Employer: Ernst & Young

The Women in Leadership Forum Asia 2013 is the 3rd edition of the annual event organized by Naseba, the French Information company. The yearly forum aims to unite the most influential business leaders from the Asian Region to share and exchange ideas about how companies can maximizethe economic prospectsof women in the region, and to encourage more pro-women innovations and initiatives in the workplace.

The award is an affirmation of Dr.del Castillo’s lifetime achievement of enabling the poorest women in Central Philippines to move their families out of poverty. As founder and Executive Director of NWTF, she is the driving and inspiring force that propels the NWTF Team to go farther and deeper into the most remote areas of the Visayas and Palawan where many of the marginalized try to eke out a living, and provide them with financial and non-financial assistance that will enable them to improve their lives.

This is not the first time that her pioneering work in the field of microfinance and social development has been acknowledged. Earlier in March her profile was included in a book entitled: “Apirations& Inspirations: Filipino Women Entrepreneurs” written by Jessica Zafra, which was launched during the WBCP Women’s Business Council Philippines Kapihanat the DusitThani Manila on March 19, 2013. The book is a collection of profiles of all women finalists and winners of the Entrepreneur of the Year Philippines program of Ernst & Young since 2003.




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