Ma. Ligaya operates a junk shop and a retail store. She is also a fruit dealer, buying fruit wholesale and retailing it in the market. Trash is not actively segregated in the Philippines and, while waiting for their local dump trucks, people scavenge garbage dumps and trash bags for recyclable materials like metal, copper, plastic and paper. They sell these to junk shops like Juanita’s for a little profit. Junk shops then stack, clean and gather huge quantities of these materials and sell them back to foundries like factories. Her regular customers are her neighbors and the local community. She earns a minimum of Php200, 300, and 350 in sales every day in the junk shop, retail store and fruit vending business respectively.
To help her continue operating her business, she is requesting a Php48,000 loan. She will be incorporating the loan into her current revolving fund used to buy trash from collectors. She also will also invest a portion of the loan to buy groceries for her store and wholesale fruits to be incorporated into her current product inventory. She expects a boost in her business income as she expands her business.
Ligaya dreams of being able to give her all her children a good, high quality education through her hard work in her business.
More information about this loan
On Friday November 8, 2013, Super Typhoon Haiyan made its way through Southeast Asia, causing substantial damage to homes and businesses in areas of the Philippines. Given the state of devastation following this storm, borrowers living and working in these areas may have difficulty making repayments on their loans, thus making their Kiva loans higher risk. More information >>
About the Center for Community TransformationThe Center for Community Transformation (CCT) is dedicated to the development of communities and lives via spiritual transformation and access to financial services. CCT offers loan products to address the needs of micro-entrepreneurs in the Philippines. The organization’s loan products include small business, education, and housing loans. CCT utilizes a community-based approach to provide a variety of non-financial services that include training and development programs, clinics, disaster relief operations, a low-cost medicine program, and social service programs. CCT offers a unique “Pavement Dweller” program designed to provide food, housing, and job training. CCT also provides education support services to the poorest groups in the Philippines. Find more information about CCT on their website or join their lending team.
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