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Ma. Ligaya
This is Ma. Ligaya B., 40, a resident of Silang, Cavite, Philippines. She is married to Rosendo B., a contractor. She is the mother of four children, two of whom are in high school while the other two are still in elementary schools. By the grace of God, Ligaya has managed to support her children's schooling. At this time, she is working hard to be able to send them all the way through college. This is a dream for most Filipino parents like Ligaya as she herself is college graduate and believes that a college diploma is the best inheritance parents can leave to their children.

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.

Additional Information

About the Center for Community Transformation

The 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.

About Philippines

  • $7,000
    Average annual income
  • 818
    View loans »
    Philippines Loans Fundraising
  • $63,360,225
    Funds lent in using Kiva
  • 46.3
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,050 helped Ma. Ligaya to add to her cash reserves used buy trash from collectors; to buy groceries and wholesale fruits for resale.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Jun 24, 2010
Jul 14, 2010
Currency Exchange Loss:
Jan 15, 2011