Emmalinda has been managing her own buko (young coconut) salad and buko juice business for ten years now. Coconut water (buko juice, in the Philippines) is the liquid inside young coconuts. It’s watery and only subtly coconut flavored – sort of sweet and grassy. Young coconut juice can be used as a sports drink or a simple beverage that is usually sold in Filipino restaurants. Emmalinda, along with her husband, used to sell fresh buko juice and buko salad among her neighbors and in the local community. Monthly, she earns an estimated net income of around 12,000 PHP.
To help her continue operation of her business, Emmalinda is requesting a loan of 50,000 PHP. She plans to use this loan to purchase more fresh young coconuts to sell and other raw materials needed for her buko salad business. She believes she will see an increase in her earning capacity as a microentrepreneur through this loan. Emmalinda dreams that her business will continue to grow so that she can have enough money for her children’s college education. As a CCT community partner, she faithfully attends the group's weekly fellowship* meeting where she can also draw strength and inspiration from the Word of God.
* All CCT community partners/clients are organized into fellowship groups that meet on a weekly basis. A fellowship group is composed of 15 to 30 community partners. The fellowship groups gather each week to study the Word of God, build social capital and pay microfinance loans.
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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Success!! The loan was 100% repaid