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This is Maricel, 40, a resident of Dasmariñas, Cavite, Philippines. She is married to Enrico and a mother to their children. Together with her husband, she manages their household while operating her business. They work hard to provide income for their everyday needs.

Maricel sells clothing, footwear, undergarments, cosmetics, and other products through popular direct-selling companies like Avon, Fuller Life, Natasha, Boardwalk, Marikina Shoe Exchange, and others. The dealer orders products for the customer, who is given one month to pay for them. Dealers' prices are lower than those in the catalog, providing a profit to the dealer. Her regular customers are her neighbors and members of the local community. She earns a minimum of PHP 2000 in sales every week.

To help her continue operating her business, Maricel is requesting a PHP 8,000 loan. She will use the loan to buy additional supplies and merchandise such as shampoo, cologne, deodorant, perfume, soap, fabric softener, undergarments, and other products. She expects a boost in her income as she expands her business.

Maricel hopes to be a successful businesswoman and dreams of having a happy family. Each week, she faithfully meets up with her co-fellowship* members to share stories of her life and business and to draw strength and inspiration from the fellowship and 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

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
  • 1448
    View loans »
    Philippines Loans Fundraising
  • $59,289,200
    Funds lent in using Kiva
  • 40.7
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $200 helped Maricel to pay for supplies and merchandise for her business.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Jan 29, 2013
Feb 16, 2013
Currency Exchange Loss:
Jun 17, 2013