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This is Merly, thirty-eight, a resident of Quezon City, Philippines. She is married to Roy, a family driver, and is the mother of two children, both of whom are still toddlers. While attending to her husband and kids, she also keeps herself busy with her business which is her way of helping her husband to provide for the family's daily expenses.

Merly owns a variety store. She buys groceries like canned goods, condiments, milk, sugar; primary commodities that are needed in every household. She earns money by getting supplies at wholesale prices and selling by the piece. Her husband’s foam-selling business is also a big help. Her store is located adjacent to her house. Her regular customers are her neighbors and the local community. She earns a minimum of 600 Philippine Pesos (PHP) in sales every day.

To help her continue operations of her business, she is requesting a PHP 10,000 loan. She will be utilizing the loan to buy more grocery items which will enable her to have more stock. The more items displayed at the store the better, as it helps to attract more customers to buy in her variety store. More sales will result in better profit. It will help her to save some money for any unexpected expenses.

Merly hopes that her business will continue to grow. She hopes that she will be able to send all her children to private school once they are old enough to study. She wants them to enjoy a good life. She is active in attending the weekly fellowship* as it helps to learn a lot from the Bible. The Word of God strengthens her spiritual life.

* 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
  • 687
    View loans »
    Philippines Loans Fundraising
  • $63,194,275
    Funds lent in using Kiva
  • 42.9
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $250 helped Merly to pay for grocery items and products needed in her business.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Jan 16, 2012
Jan 31, 2012
Currency Exchange Loss:
Jun 15, 2012