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Carmelita
This is Carmelita, a resident of Cabrera, Pasay, Philippines. She is married and a mother to her children. She and her husband manage their household while operating a business. At this time, she is working hard to continually provide income for her everyday expenses.

Carmelita is a mineral water distributor. What she basically does is buy mineral water in containers from wholesalers, then sells them individually (5 gallons per container) at a profit. She also sells rice for additional income. Her regular customers for her mineral water are her neighbors and the local community. She earns a minimum of PHP 500 in sales every day.

To help her continue operation of her business, she is requesting a PHP 50,000 loan. She will be utilizing the loan to buy more gallons of mineral water to expand her product inventory. She expects a boost in her business income as she expands her business.

Carmelita hopes that she will be successful in her businesses and dreams they will have their own lot. She meets up with her co-fellowship members to share stories of her life and business every week, 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

  • $1175
    Average annual income
  • 1097
    View loans »
    Philippines Loans Fundraising
  • $54,717,425
    Funds lent in using Kiva
  • 40.6
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,250 helped Carmelita to pay for more gallons of mineral water to expand her product inventory.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Feb 18, 2013
Listed
Feb 19, 2013
Currency Exchange Loss:
Possible
Ended:
Dec 17, 2013