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Irma D. C., 54, lives with a "bayanihan" spirit or a spirit of communal unity in her heart. She is a community partner of CCT*, a wife to Harold, and a doting mother to her children who are in school. She has finished college and is now running her own business in the community where they live in Caloocan City.

Irma has a car rental business. But her focus as of the moment is her direct selling business, in which she sells products from beauty brand Avon and apparel brand Boardwalk to friends, business acquaintances, and neighbors. Irma has been doing this business for four years now. Monthly, Irma is able to earn an estimated net income of around 12,000 Philippine pesos (PHP).

To help her bring this direct selling to the next level, Irma is requesting a 16,000 PHP loan. She will use this money to purchase more orders for delivery to her customers, such as perfumes, underwear garments, accessories, shoes, bags, and other beauty stuff.

Irma says that vacations are hard moments in her business, as few customers come to her to order products. Nevertheless, she exerts her best effort in her business, because she desires to improve her family's living conditions. Remarkably, it is also her desire to help fellow community partners improve their living conditions. She takes her dream a step further by desiring to be an instrument to help others, fostering in them the "bayanihan" spirit along the way.

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 she received.

*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 micro finance loans.

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
  • 1410
    View loans »
    Philippines Loans Fundraising
  • $59,122,500
    Funds lent in using Kiva
  • 43.6
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $375 helped Irma to purchase more orders for delivery to customers.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Mar 17, 2011
Mar 30, 2011
Currency Exchange Loss:
Oct 15, 2011