Rosa is a married woman who lives in Bantayan, Cebu. She earns her living by operating three business ventures: fishing, buying and selling dried fish and a sari-sari (general) store. Her husband Rodulfo who is 37 years old, works as a fishermen to earn his living and helps in his wife's business activities. They have four children who are 12 to 20 years old. Rosa joined NWTF-Project Dungganon in 1997 because she aspired for something better for her family. With the help of her past 19 loans from NWTF-Project Dungganon, Rosa has been incrementally lifting her family out of poverty by the sweat of her brow. Her previous loan of PHP 27,000 helped her earn a monthly profit of PHP 24,000, thus uplifting the family's standard of living. This time, for her 20th loan, she is borrowing PHP 29,500 to buy a new engine for her fishing boat so that she can continue to save up for the future expansion of her business. Rosa 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