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This is Andrea, 56, a resident of Pasay City, Philippines. She is married to Felipe, a cook in a food stall, and is the mother of five children. Four of her children are already working, while the youngest is in high school. By the grace of God, Andrea has managed to support her older children's schooling up to college level. At this time, she is working hard to send her youngest to college. This is a dream for most poor Filipino parents; Andrea herself has been an undergraduate, and she believes that a college diploma is the best inheritance parents can leave to their children.

Andrea maintains a direct selling business. She sells clothing, footwear, undergarments, cosmetics, and other products through the popular direct selling brands like Avon, Fullerlife, Natasha, Boardwalk, Marikina Shoe Exchange, and other direct selling brands. A customer's order is bought in cash by the dealer and then given to the customer with a one-month-to-pay credit. Dealers' prices are lower than those in the catalogue, and these are the profits that dealers are investing on as their income. Aside from direct selling, she sells breakfast every morning. Her regular customers are her neighbours and the local community. She earns a minimum of Php 510 in sales every week.

To help her continue operations of her business, she is requesting a loan of Php 10,000. She will be using the loan to buy orders for her customers. She expects a boost in her business income as she expands her business.

Andrea fervently hopes that her child will be able to graduate one day. She faithfully meets up with her co-fellowship members to share stories of her work every week and to draw strength and inspiration from the Word of God she studies.

*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.

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
  • 1938
    View loans »
    Philippines Loans Fundraising
  • $61,097,225
    Funds lent in using Kiva
  • 43.5
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $250 helped Andrea to pay for orders and products that she is selling.
100% repaid
Repayment Term
5 months (Additional Information)
Repayment Schedule
Jun 1, 2011
Jun 24, 2011
Currency Exchange Loss:
Oct 15, 2011