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Analyn
This is Emma, 33, a resident of Batasan, Philippines. She is married to Richard, a truck driver and she is mother to her children. She, together with her husband, manages their household while operating a business. At this time, she is working hard to continually provide income for their everyday expenses.

Emma operates a junk shop. Trash is not actively segregated in the Philippines, and while waiting for their local dump trucks, people scavenge garbage dumps and trash bags for recyclable materials like metal, copper, plastic, paper and other materials. They sell these to junk shops for a little profit. Junk shops then stack, clean, and gather huge quantities of these materials and sell them back to foundries like factories and others of the like. Her regular customers are her neighbors and the local community. She earns a minimum of PHP 1,000 in sales every day.

To help her continue operations of her business, she is requesting a PHP 11,000 loan. She will be incorporating the loan into her current revolving fund used to buy recyclable materials from collectors. She expects a boost in her business income as she expands her business.

Emma hopes to expand her business and dreams to have their own house. She faithfully meets up with her co-fellowship members to share stories of her life and business every week and where she can also draw strength and inspiration from the fellowship and 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
  • 1250
    View loans »
    Philippines Loans Fundraising
  • $57,895,900
    Funds lent in using Kiva
  • 40.6
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $275 helped Analyn to pay for recyclable materials needed in her business.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Jan 18, 2013
Listed
Jan 28, 2013
Currency Exchange Loss:
Possible
Ended:
Apr 16, 2014