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This is Winifreda, 63, resident of GMA, Cavite, Philippines. She is a widow and a mother to her children. Together with her children, Winifreda manages her household while operating her direct-selling business. She purchases clothing, footwear, undergarments, cosmetics, and other products through popular brands such as Avon, Fuller Life, Natasha, Boardwalk, Marikina, and Shoe Exchange. She places orders with cash and then offers one-month-to-pay credits to her customers. Winifreda's prices are lower than those in the catalog and her profits come from investing her own income. Her regular customers are her neighbors and local community members. She earns a minimum of 2,000 PHP in sales every week.

Winifreda is requesting a 10,000 PHP loan to buy additional merchandise such as shampoo, cologne, deodorant, perfume, soap, fabric softener, undergarments, and other products to sell. She expects a boost in her business income as she expands and hopes to gain more customers. Winifreda hopes for good health for her and her loved ones. She meets up with her co-fellowship* members weekly to share stories of her life and business and draw strength and inspiration from fellowship and 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 groups gather 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
  • 340
    View loans »
    Philippines Loans Fundraising
  • $52,130,550
    Funds lent in using Kiva
  • 41.2
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $250 helped Winifreda to buy shampoo, cologne, deodorant, perfume, soap, fabric softener, undergarments, and other products.
100% repaid
Repayment Term
7 months (Additional Information)
Repayment Schedule
May 9, 2013
May 20, 2013
Currency Exchange Loss:
Nov 17, 2013