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Narcisa
This is Narcisa, 55, a resident of Dasmariñas, Cavite, Philippines and a 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.

Narcisa 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 other direct selling brands. A customers order is bought in cash by the dealer and then given to the customer with a one-month-to-pay credit. Dealer’s prices are lower than those in the catalog, and these are the profits that dealers count on 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 of her business, she is requesting a PHP 35,000 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.

Narcisa hopes to grow her business in the coming years and dreams to have a good life for her family. She faithfully meets up with her co-fellowship members to share stories of her work every week and where he 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

More information about this loan

On Friday November 8, 2013, Super Typhoon Haiyan made its way through Southeast Asia, causing substantial damage to homes and businesses in areas of the Philippines. Given the state of devastation following this storm, borrowers living and working in these areas may have difficulty making repayments on their loans, thus making their Kiva loans higher risk. More 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
  • 1241
    View loans »
    Philippines Loans Fundraising
  • $57,866,175
    Funds lent in using Kiva
  • 41.1
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $875 helped Narcisa to buy clothing, footwear, cosmetics and other products for her business.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Oct 30, 2012
Listed
Nov 14, 2012
Currency Exchange Loss:
Possible
Ended:
May 17, 2013