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Mercedita, a 41-year-old microentrepreneur from Payatas, Quezon City, Philippines, has run her pillow-making business for 10 years and she makes a good income from this. Having a big family requires a lot of effort to provide for everyone’s needs, especially for her children. She and his husband are determined to work hard to provide their children with a better education than they currently have.

She cuts scrap materials from textiles, foam and fibers, puts it in a plain pillowcase and covers it with a better looking pillowcase of various cartoon designs. She makes different kinds and sizes of pillows. Prices range from PHP 35 to PHP 80 per pillow. Her regular customers are her neighbors and the local community. She also has clients in the market that regularly orders pillows from her. She earns a minimum of PHP 300 in sales every day.

To improve her service and sales, Mercedita is taking a PHP 25,000 loan to buy supplies needed in her business. She will be using the loan to buy additional foam, fabric, plastic, cotton, rugby and other materials that are necessary to increase her production.

In the future, she hopes to prosper through her business and she dreams for her family to be financially free and be able to provide quality education for her children.

She meets up with her co-fellowship* members to share stories of her life and business every week and 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 repay 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
  • 1518
    View loans »
    Philippines Loans Fundraising
  • $59,194,375
    Funds lent in using Kiva
  • 43.6
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $575 helped Mercedita to pay for recyclable materials like foam, straw, fabric and cotton needed in her pillow-making business.
100% repaid
Repayment Term
7 months (Additional Information)
Repayment Schedule
Jun 6, 2014
Jul 10, 2014
Currency Exchange Loss:
Dec 17, 2014