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This is Saipa, 35, resident of Payatas, Philippines. She is married to Elyas, who is a vendor, and a mother to their children. Together with her husband, Saipa manages her household while operating her "ukay-ukay" business. She works hard to continually provide income for her family's everyday expenses. “Ukay” literally means to “dig out” or “hollow out” from a stack or heap of anything. Saipa sells used clothing that is presented stacked up on a table or mat, although special clothing is displayed in hangers. In the Philippines, especially in urban poor communities, many people resort to buying used clothes from “ukay-ukay” stalls because they are much cheaper than brand new clothes sold in malls. Since Saipa's stall is located in an urban poor public market, her business flourishes and she earns a minimum of 300 PHP each day.

Saipa is requesting a 15,000 PHP loan to buy additional stock of used-but-quality shirts, shorts, blouses, and pants to expand her business. Customers are attracted to “ukay-ukay” stalls as they have lots of clothes to choose from. Saipa plans to add more pants or jeans, used bags, and footwear. She plans to use the profits from her loan to meet customer demand. Through proper management of capital and profit, Saipa will expand her business and boost her income.

Saipa hopes her business will grow and she will have her own stall. She dreams that her children will finish their studies and have a good life. She faithfully meets up with her co-fellowship* members to share stories of her life and business every week and draw strength and inspiration from the 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 who gather 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
  • 1235
    View loans »
    Philippines Loans Fundraising
  • $63,466,825
    Funds lent in using Kiva
  • 40.6
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $375 helped Saipa to buy additional stock of used-but-quality shirts, shorts, blouses, and pants.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Jan 18, 2013
Jan 24, 2013
Currency Exchange Loss:
Jun 17, 2013