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Ma. Teresa
This is Ma. Teresa, 46, a resident of Payatas, Philippines. She is married to Eluminado and is mother to their children. Together with her husband, she manages the household and runs the familiy business. At this time, she is working hard to continually provide income for their everyday expenses.

Ma. Teresa runs an “ukay-ukay” business. “Ukay” literally means to “dig out” or “hollow out” from a stack or heap of anything. In Yolanda’s case, she is selling used (but not yet worn out) clothes that are usually stacked on a table or mat. Some special items are displayed in hangers. In the Philippines, especially in urban poor communities, many people buy their clothes used from “ukay-ukay” stalls. These are much cheaper than brand new clothes sold in malls. Since her stall is located in an urban poor public market, her business flourishes. She earns a minimum of 300 Philippine Pesos (PHP) net sales every day.

To help her expand the business, Ma. Teresa is requesting a 8,000 PHP loan to buy additional stock of used, yet high-quality, clothes. Customers are attracted to buy from an “ukay-ukay” stall with lots of clothes to choose from. So, she plans to add more pants and jeans, as well as used bags and footwear. If she can continue the profits from this loan, she can meet the customers’ demand. Through proper management of capital and profit, she can expand her business and boost its income.

Ma. Teresa hopes to give her children a good future and high-quality education 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. This group is also a place where she can draw strength and inspiration from studying the word of God.

* 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

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
  • 1431
    View loans »
    Philippines Loans Fundraising
  • $59,148,800
    Funds lent in using Kiva
  • 40.9
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $200 helped Ma. Teresa to pay for additional stock of used-but-quality clothes needed in her business.
100% repaid
Repayment Term
5 months (Additional Information)
Repayment Schedule
Nov 12, 2012
Dec 4, 2012
Currency Exchange Loss:
Mar 15, 2013