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Dema
This is Dema, 51, a resident of Taguig, Philippines. She is married to Benjamin, a carpenter. Dema and her husband manage their household while operating the business. Dema works hard to provide income for their everyday expenses.

Dema operates a variety store which, in the Philippines, 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, PHP 5 worth of cooking oil, or an egg. Dema also sells fish and different kinds and meat. She earns an income by getting supplies at wholesale prices and selling by the piece. Her regular customers are her neighbors and the local community. Dema earns a minimum of PHP 500 in sales every day.

To help her continue operations of her business, Dema is requesting a PHP 15,000 loan, which she will use to buy groceries, toiletries and beverages to expand her product inventory. She expects a boost in her business income as she expands her business.

Dema wants to give a good life to her children. She faithfully meets up with her co-fellowship* members weekly to share stories of her work and to draw strength and inspiration from the Word of God she studies.

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

  • $1175
    Average annual income
  • 1477
    View loans »
    Philippines Loans Fundraising
  • $56,573,625
    Funds lent in using Kiva
  • 41.1
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $375 helped Dema to pay for grocery items, toiletries and beverages needed in her business.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Nov 29, 2012
Listed
Dec 13, 2012
Currency Exchange Loss:
Possible
Ended:
Jun 17, 2013