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Ma. Flora
This is Ma. FLora, 44, a resident of Tanza, Cavite, Philippines. Her partner is Robert, who works abroad. They have children. She manages their household while operating her business. She is working hard to continually provide income for their everyday expenses.

Ma. Flora operates a variety store. In the Philippines, a variety store is a retail store that sells inexpensive items, often with a single price for all items in the store. It is the place to go to buy one sachet of shampoo, a PHP 5-worth of cooking oil, or an egg. She earns by getting supplies at wholesale prices and selling by the piece. Her regular customers are her neighbors and the local community, and she earns a minimum of PHP 500 in sales every day.

She is requesting a PHP 40,000 loan to help her continue the operations of her business. She will use the loan to buy groceries, toiletries, and beverages to expand her product inventory.

Ma. Flora hopes that her business will continue to grow, and dreams that her children will finish their studies. She meets up with her co-fellowship* members to share stories of her life and business every week, and she draws 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 repay micro finance 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
  • 276
    View loans »
    Philippines Loans Fundraising
  • $53,116,700
    Funds lent in using Kiva
  • 40.7
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,000 helped Ma. Flora 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:
Apr 30, 2013
Listed
May 14, 2013
Currency Exchange Loss:
Possible
Ended:
Nov 17, 2013