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This is Editha, who is 52 years old and a resident of Silang, Cavite, Philippines. She is married to Danilo, a bus conductor, and mother to her children. She manages their household while operating the business. At this time, she is working hard to continually provide income for her everyday expenses.

Editha maintains a direct-selling business. She sells clothing, footwear, undergarments, cosmetics, and other products through the popular direct-selling brands like 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 one-month-to-pay credit. Dealer’s prices are lower than those in the customer's catalogue, and these are the profits that dealers are investing in as their income. Her regular customers are her neighbors and the local community. She earns a minimum of PHP 2,000 in sales every week.

To help her continue operations, she is requesting a PHP 20,000 loan. She will be using the loan to buy orders for her customers. She expects a boost in her business income as she expands her business.

Editha hopes to grow her business in the coming years and dreams of having a good life for her family. She faithfully meets up with her co-fellowship members to share stories of their work every week. It is where she can also draw strength and inspiration from the Word of God he 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 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
  • 2114
    View loans »
    Philippines Loans Fundraising
  • $61,219,850
    Funds lent in using Kiva
  • 41.7
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $500 helped Editha to pay for additional stocks of supplies and products needed in her business.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Sep 25, 2012
Oct 9, 2012
Currency Exchange Loss:
Apr 17, 2013