NWTF

What NWTF does

NWTF (Negros Women for Tomorrow Foundation, Inc.) is a Philippines-incorporated non-governmental organization and microfinance institution founded in 1984 and headquartered in Bacolod City, Negros Occidental. It was established as one of the first Grameen-method replications in the Philippines beginning in 1989, with initial lending operations in four branches; over 40 years, it has scaled to 350 branches serving nearly 600,000 clients across Luzon, Visayas, and Mindanao. The organization's mission is to provide sustainable, client-responsive financial and developmental services to the poor, primarily targeting women microentrepreneurs in low-income urban and rural communities.

The core product set centers on two lending programs. Project Dungganon uses the Grameen methodology of group-based lending with weekly center meetings, originating loans starting at ₱1,000-5,000 with progressive increases tied to repayment history. Project Kasanag offers individual loans for clients graduating from microfinance into small and medium enterprises. Dungganon Bank, a wholly-owned microfinance-thrift bank subsidiary established in 2005, anchors SME-tier lending. Revenue is generated primarily through interest on the microfinance loan portfolio (₱5.6B as of 2023, up from ₱5.14B in 2022), supplemented by SME lending via Dungganon Bank, micro-insurance introduced in 2002, and ancillary service fees. Go-to-market is community-led and sales-led: field officers operate across the branch network, conducting weekly center meetings that combine loan collection, business training, and peer accountability.

NWTF layers non-financial programming on its lending core, including a scholarship program launched in 2004 (2,358 scholarships awarded), a WASH (Water, Sanitation and Hygiene) Program in partnership with Water.org, micro-insurance products, and the 1 Million Trees environmental campaign launched in 2023-2024 with the Provincial Government of Negros Occidental and JCI chapters. Operations are supported by the CESUCOi tablet-based client service system for loan and savings tracking; in 2011, NWTF spun off its management information systems into DO-IT Foundation to commercialize the technology externally. NWTF has institutional partnerships with CGAP, KIVA (since 2009), Catholic Relief Services (since 1992), Whole Planet Foundation, USAID Safe Water, and Google.org (AI applications deployment).

Name

NWTF

Legal name

Negros Women for Tomorrow Foundation, Inc.

Website

https://nwtf.org.ph

Company type

Private

Founded year

1984

Operating status

Operating

Headcount range

1,001–5,000 employees

Short description

NWTF is a Philippines-based non-governmental microfinance institution founded in 1984 that serves nearly 600,000 women microentrepreneurs across Luzon, Visayas, and Mindanao through 350 branches using the Grameen group-lending methodology, complemented by SME loans via its subsidiary Dungganon Bank and non-financial programs including scholarships, WASH, and environmental campaigns.

Ownership category

akta.pro rank

Product category

Microfinance Services

SIC

Mortgage Bankers & Loan Correspondents (6162)

akta.pro primary industry

Microloans & Working Capital Loans (FSAKAGAA)

akta.pro secondary industries

Microfinance, Financial Inclusion & Inclusive Markets (BPAGABAM), SME, Microfinance & Financial Inclusion Facilities (BPADACAI), Microenterprise Group Lending (Joint Liability) (FSAKAGAH)

Keywords

• Microfinance lending
• Group lending services
• Women entrepreneur finance
• Financial inclusion services
• Microenterprise loans

Headquarters

HQ city

Asia

HQ country

Philippines

HQ region

Asia

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure

Revenue model

1. Microfinance Lending Interest Income: NWTF provides microfinance loans to women entrepreneurs using the Grameen methodology. Revenue is generated through interest on microloans. The organization offers group loans through Project Dungganon and individual loans through Project Kasanag for small and medium enterprises.
2. Dungganon Bank Financial Services: Dungganon Bank, a microfinance rural bank subsidiary established in 2005, provides continued financial assistance to micro clients expanding to small and medium enterprises, generating revenue through interest and fees on SME loans.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels5 records

Core offering

NWTF provides microfinance services using the Grameen methodology to women entrepreneurs in low-income and depressed communities across the Philippines. Core offerings include group-based microloans through Project Dungganon and individual loans for small and medium enterprises through Project Kasanag, delivered via a wholly-owned microfinance rural bank subsidiary (Dungganon Bank) and a 350-branch direct delivery network. The foundation complements financial services with health and wellness, education and training, environmental, and social business development programs.

Product overview

NWTF operates as a microfinance non-governmental organization offering a portfolio of financial and social programs. The core products are Project Dungganon (group-based microfinance using the Grameen method) and Project Kasanag (individual loans for SME graduates), supported by Dungganon Bank as a wholly-owned subsidiary microfinance institution. Additional offerings include micro-insurance, scholarship programs, Village Phone Banking, and environment-friendly products like solar lamps. NWTF also runs the CESUCOi digitized client service platform and the 1 Million Trees environmental campaign. The organization primarily serves women entrepreneurs across the Philippines through approximately 350 branches.

Differentiator

Problem solved

Functional benefit

Brands

• Project Dungganon: The flagship microfinance program of NWTF using the Grameen method, providing group-based loans to women entrepreneurs for income-generating activities.
• Project Kasanag

Products and services

• Project Dungganon
• Project Kasanag
• Dungganon Bank
• Micro-insurance
• NWTF Scholarship Program
• 1 Million Trees Campaign
• WASH Program (Water, Sanitation and Hygiene)

Quantifiable outcome

• Nearly 600,000 clients positively impacted across Luzon, Visayas, and Mindanao with 350 branches
• +5 more outcomes

Named customers8 records

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

14 partnerships are on record, tiered minor, major and core.

• Junior Chamber International (Multiple Chapters)minorStrategic or Co-development Partner · 1 January 2024JCI Panitan Tumandok, JCI Bacolod, JCI Antique Kruhay, JCI Aklan Kalantiao, JCI Sambisig 2024 partner with NWTF for the 1 Million Trees Campaign environmental initiative.
• Negros Occidental Provincial GovernmentmajorStrategic or Co-development Partner · 1 January 2024Partnered with Provincial Government of Negros Occidental to aid micro-entrepreneurs' rehabilitation and support environmental initiatives including the 1 Million Trees Campaign.
• Central Philippines State UniversityminorStrategic or Co-development Partner · 1 January 2024CPSU partners with NWTF for the 1 Million Trees environmental initiative and student engagement programs.
• Association of Negros ProducersminorChannel Partner/ Reseller/ Distributor · 1 January 2024Association of Negros Producers partners with NWTF for economic development initiatives supporting producers in the region.
• USAID Safe WaterminorStrategic or Co-development Partner · 1 January 2023Strengthened partnership with USAID Safe Water to support livelihoods and water access in communities served by NWTF.
• Provincial Government of Negros OccidentalmajorStrategic or Co-development Partner · 1 January 2021Partnership with Provincial Government of Negros Occidental to aid micro-entrepreneurs' rehabilitation during the pandemic recovery period.
• Water.orgcoreStrategic or Co-development Partner · 1 January 2017NWTF's Water Access, Sanitation and Hygiene (WASH) Program stepped up to Phase 2 with Water.org after successfully reaching more than triple of the original loan target, providing water and sanitation solutions for client communities.
• Net-WorksminorStrategic or Co-development Partner · 1 January 2013Partnership with Net-Works to collect and recycle used fishing nets into carpet tiles, supporting environmental sustainability in fishing communities.
• DO-IT FoundationcoreTechnology or Integration · 1 January 2011DO-IT Foundation was created from the spin-off of the NWTF Management Information System, providing technology solutions for MFIs and NGOs including the CESUCOi tablet-based client service system.
• Dungganon BankcoreOthers · 1 January 2005Dungganon Bank is the first microfinance-thrift bank in Visayas, a fully-owned subsidiary of NWTF established in 2005. It ensures that microfinance clients who expand to small and medium enterprises have continued access to financial assistance as they grow their businesses.
• Catholic Relief ServicesmajorStrategic or Co-development Partner · 1 January 1992Partnership with Catholic Relief Services beginning in 1992 supported NWTF's early microfinance operations and community development programs.
• InfoxchangecoreStrategic or Co-development PartnerInfoxchange runs the Asia-Pacific Digital Transformation Program funded by Google.org. NWTF participates as a grantee deploying AI-powered microfinance applications for women entrepreneurs addressing financial inclusion.
• BFAR-USAID Fish Right ProgramcoreStrategic or Co-development PartnerPartnership between BFAR-USAID Fish Right Program and NWTF supports fisherfolk communities in Negros Occidental. NWTF provides financial services while Fish Right provides training on responsible fishing practices and sustainable marine resource management. Jointly work with communities on vessel tracking devices and conservation efforts.
• Grameen BankcoreStrategic or Co-development PartnerNWTF received direct assistance from Grameen Bank and was one of the first Grameen replications in the Philippines starting with four branches in Negros Occidental in 1989. Professor Muhammad Yunus, Nobel Laureate and Grameen Bank founder, made his first visit to NWTF in 1990.

Scale indicators8 records

Recent moves8 records

Expansion highlights6 records

Others

• Water.org: International nonprofit partner of NWTF (WASH Program Phase 2) — included as an enabling/ecosystem partner rather than a competitor, relevant given the shared microfinance-WASH lending and water-sanitation financing model.

Direct peers

• Cantilan Bank (NBCBN Network): A rural bank in the Philippines with a strong microfinance franchise serving low-income clients in the Visayas and Mindanao — a direct peer to NWTF's Dungganon Bank subsidiary on geography and client profile.
• ASA Philippines Foundation: Leading Philippine MFI NGO offering group-based microfinance to poor women using the ASA methodology; competes head-to-head with NWTF for the same underbanked women microentrepreneur base across Visayas and Mindanao.
• CARD MRI (Center for Agriculture and Rural Development - Mutually Reinforcing Institutions): The largest microfinance institution in the Philippines, also serving women microentrepreneurs through Grameen-style group lending with a bank, insurance, and NGO federation structure — the most direct functional and segment peer to NWTF.
• Ahon sa Hirap, Inc. (ASHI): Philippine NGO microfinance institution providing group-lending microcredit and enterprise development services to low-income women and families — directly comparable in target segment and methodology to NWTF's Project Dungganon.
• Taytay sa Kauswagan, Inc. (TSKI): Philippine microfinance NGO focused on microenterprise credit for women in poor communities, with cross-border expansion to other Asian markets — a clear mission-aligned and product-overlap peer to NWTF.

Broad incumbents

• Bank Rakyat Indonesia (BRI): Indonesia's largest microfinance-focused commercial bank, providing small-scale credit to millions of micro-entrepreneurs — comparable as a scaled microfinance and rural/SME lending institution serving a Southeast Asian market adjacent to the Philippines.
• Grameen Bank: The original Bangladesh-based Grameen microfinance institution from which NWTF directly replicates its methodology; comparable as the global benchmark pioneer in Grameen-style group lending to women microentrepreneurs.
• BRAC (Bangladesh Rural Advancement Committee): One of the world's largest development NGOs offering microfinance alongside health, education, and livelihood programs — directly comparable to NWTF's integrated microfinance-plus-social-services model.

Emerging players

• GCash (Mynt / Globe Fintech Innovations): Leading Philippine fintech offering digital credit, savings, and payments to underbanked consumers including microentrepreneurs — an emerging alternative to traditional MFI lending that competes for NWTF's target segment digitally.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat6 records

Key risks6 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/@nwtf
• Facebookfacebook.com/nwtfi
• LinkedInlinkedin.com/company/nwtf
• Instagraminstagram.com/nwtfinc

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles6 records

Subsidiaries1 record

Funding overview

Funding rounds

Investors

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M&A

Investments

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Frequently asked questions about NWTF