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Elvira
This is Elvira, a 39-year-old resident of Bacoor, Cavite City, Philippines, a mother of three children, and wife of Sonny, a driver. She and Sonny manage their household while operating the business. At this time, she is working hard to continually provide income for their everyday expenses.



Elvira sells clothing, footwear, undergarments, cosmetics and other products through popular direct-selling brands such as Avon, Fuller life, Natasha, Boardwalk, Marikina Shoe Exchange, and others. A customer's order is bought in cash by the dealer and then given to the customer with a one-month-to-pay credit. Dealer’s prices are lower than those in the catalogue, and these are the profits that dealers are investing as their income. Elvira's regular customers are her neighbors and the local community, and she earns a minimum of 3000 Philippine Pesos (PHP) in sales every week.



To help her continue operations of her business,Elvira is requesting a Php 11, 000 loan to buy merchandise items and orders for her customers. She expects a boost in her business income as she expands her business.



Elvira hopes to grow her business in the coming years and dreams of giving all of her children a good and high quality education through her hard work. 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 gathering each week to study the Word of God, build social capital, and pay Micro Finance loans.

Additional Information

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 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

  • $1175
    Average annual income
  • 308
    View loans »
    Philippines Loans Fundraising
  • $52,105,400
    Funds lent in using Kiva
  • 43.0
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $275 helped Elvira to pay for merchandise items and products needed in her business.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Feb 21, 2012
Listed
Mar 23, 2012
Currency Exchange Loss:
Covered
Ended:
Jul 15, 2012