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This is Carolina, 53. She is a resident of Pasay City, Philippines, and a widow with two children; both are already working. She, together with her children, manages their own household while operating the business. At this time, she is working hard to continually provide income for their everyday expenses.

Carolina maintains a direct-selling business. She sells clothing, footwear, undergarments, cosmetics and other products through the popular direct-selling brands like Avon, Fuller Life, Natasha, Boardwalk, Marikina Shoe Exchange and other direct-selling brands. A customer's order is bought in cash by the dealer, then given to the customer with a one-month-to-pay credit. Dealer’s prices are lower than those in the catalog, and these are the profits that dealers are counting on as their income. Her regular customers are her neighbors and the local community. She earns a minimum of 2,700 Philippine Pesos (Php) in sales every week.

To help her continue operations of her business, she is requesting a Php15,000 loan. She will be utilizing the loan to buy orders for her customers. She expects a boost in her business income as she expands her business.

Carolina dreams to expand her business and have a permanent store in the near future. She faithfully meets up with her co-fellowship members* to share stories of her work every week and 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
  • 727
    View loans »
    Philippines Loans Fundraising
  • $63,194,275
    Funds lent in using Kiva
  • 42.6
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $375 helped Carolina to pay for merchandise items and products needed in her business.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Aug 10, 2011
Aug 26, 2011
Currency Exchange Loss:
Mar 15, 2012