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Update on Amia

This is Amia, 66, a resident of Cavite, Philippines. Her husband is Jaime, and a father to her children. She, together with her husband, manages their own household while operating the business.

Amia operates a variety store. In the Philippines, a variety store is basically a small convenience store, which retails groceries, toiletries and beverages piecemeal to the local neighborhood. It is the place to go to buy one sachet of shampoo, a Php5-worth of cooking oil, or an egg. She earns by getting supplies at wholesale prices and selling by the piece. Her store is located adjacent to her house. Her regular customers are her neighbors and the local community. She earns a minimum of Php600 in sales every day.

To help her continue operations of her business, she is requesting a Php 20,000 loan. She will be utilizing the loan to buy groceries, toiletries and beverages to expand her product inventory and for the maintenance of her sewing machine. She expects a boost in her business income as she expands her business.

Amia hopes her business will expand and grow into a mini-grocery 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 repay Micro Finance loans.

Previous Loan Details

Amia, aged 54, is a resident of Dasmariñas, Cavite, Philippines. She is married to Jaime, her business partner, and is mother to her children. She, together with her husband and children, manage their household while operating the business. At this time, she is working hard to continually provid... More from Amia's previous loan »

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.

Concurrent and Successive Loans

Our Field Partners often work with borrowers over a series of loans as the borrowers build credit, take out bigger loans, and expand their businesses. In order to make it easier for our Field Partners to post loans for borrowers who have been listed on Kiva before, we allow them to post successive and concurrent loans for their Kiva borrowers. This means that our Field Partners are able to post a borrower's second, third, etc., loan on Kiva without having to re-enter all of the borrower's information.

This borrower has been listed on Kiva before, so you'll see an updated loan description, as well as excerpts of the original descriptions from earlier loans. Most borrowers take out loans consecutively, meaning that they receive a second loan after having repaid the first. However, sometimes our Field Partners give out concurrent loans, allowing borrowers to take out one primary loan and a secondary "add-on" loan along with it. These "add-on" loans are typically smaller than the borrower's primary loan and serve a different purpose. Because Field Partners can now post loans as successive and concurrent loans, you will be able to track borrower progress over time and see the various ways a borrower is working with our Field Partners through funds from Kiva’s lenders.

About Philippines

  • $7,000
    Average annual income
  • 1073
    View loans »
    Philippines Loans Fundraising
  • $63,436,400
    Funds lent in using Kiva
  • 41.9
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $500 helped Amia to pay for grocery items and products to expand her product inventory.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Jul 13, 2012
Jul 18, 2012
Currency Exchange Loss:
Feb 15, 2013
This photo was used before for a previous loan for Amia. It was first posted on Kiva on Jan, 2012. Learn More