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This is Erlinda, 55, a resident of Bacoor, Cavite, Philippines, and the mother of two children. Her husband is Mario, a maintenance staffer. She, together with her husband, manages their household while operating the business. At this time, she is working hard to continually provide income for their everyday expenses.

Erlinda operates an accessories retail business. She buys accessory items from wholesalers and sells them per piece/pack with a profit. Products can include beaded jewelry such as necklaces and other products of the like. Customers are attracted to buy due to the low selling prices and the many options she offers. Her regular customers are students and mall patrons. She earns a minimum of 500 Philippine Pesos (PHP) in sales every day.

To help her continue operations of her business, she is requesting a PHP 25,000 loan. She will be using the loan to buy more quantities and varieties of accessory products to expand her product inventory. She expects a boost in her business income as she expands her business.

Erlinda dreams to have a shop in the mall and dreams to be able to give her children a good and high-quality education through all her hard work on her business. She faithfully meets up with her co-fellowship members to share stories of her work every week and where she can also 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
  • 1082
    View loans »
    Philippines Loans Fundraising
  • $63,429,000
    Funds lent in using Kiva
  • 42.7
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $600 helped Erlinda to pay for merchandise that she sells in her business.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Apr 24, 2012
Apr 28, 2012
Currency Exchange Loss:
Nov 15, 2012