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This is Lorna, 48, a resident of Manila, Philippines. She is married to Benigno and is a mother to her children. She manages her household while operating the business. At this time, she is working hard to continually provide income for their everyday expenses.

Lorna operates a buy-and-sell business. What she basically does is buy general merchandise from wholesalers and sells them with a little profit. Her products are men's and women’s clothes and other products of the like. Customers are attracted to buy due to the low-selling prices and the many options Lorna offers. Her regular customers are her neighbors and the local community. She earns a minimum of 300 Philippine Pesos (PHP) in sales every day.

To help her continue operations of her business, she is requesting a Php 16,000 loan. She will be utilizing the loan to buy products and merchandise items to expand her product inventory. She expects a boost in her business income as she expands her business.

Lorna hopes to be able to expand her business and dreams to give her children a good and quality education. 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.

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
  • 691
    View loans »
    Philippines Loans Fundraising
  • $63,147,100
    Funds lent in using Kiva
  • 41.4
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $400 helped Lorna to pay for additional stock of merchandise needed in her business.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Sep 25, 2012
Oct 22, 2012
Currency Exchange Loss:
Apr 17, 2013