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Teresita, 65, is resident of Cavite, Philippines, and is married to Rolando, a jeepney operator. She, together with her husband, manages their household while operating a direct-selling business. At this time, she is working hard to provide income for her everyday expenses.

Teresita sells clothing, footwear, undergarments, cosmetics and other products through the popular direct-selling brands like Avon, Fullerlife, Natasha, Boardwalk, Marikina Shoe Exchange, and others. A customer's order is bought in cash by the dealer and then given to the customer who has one month to pay on credit. Dealer’s prices are lower than those in the catalogue, and these are the profits that dealers gain as their income. Her regular customers are her neighbors and the local community. She also operates a canteen. She earns a minimum of PHP 500 in sales every day.

To help her continue operation of her business, she is requesting a PHP 44, 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.
Teresita hopes to expand her business soon. She faithfully meets up with her co-fellowship members to share stories of her work every week.

* 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
  • 739
    View loans »
    Philippines Loans Fundraising
  • $63,295,350
    Funds lent in using Kiva
  • 42.3
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,050 helped Teresita to pay for additional supplies and merchandise products needed in her business.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Jun 11, 2012
Jun 29, 2012
Currency Exchange Loss:
Jan 15, 2013