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Jerlie
Jerlie has run a direct-selling business within her community for almost nine years. She is 32 years old and blessed with four children. Her husband, Danny, works as a mason and they work hand-in-hand to provide for their family's needs.

She sells clothing, footwear, undergarments, cosmetics and other products through popular direct-selling brands like Avon, Fuller life, Natasha, Boardwalk, and Marikina Shoe Exchange. A customer's order is bought in cash by the dealer and then given to the customer with one-month-to-pay credit. Dealer’s prices are lower than those in the catalogue, so they earn profit from these transactions as their income. Her regular customers are her neighbors and the local community. She earns a minimum of PHP 2,000 in sales every week.

Jerlie wants to make her business more profitable to earn a higher income. For this reason, she would like borrow 32,000 PHP to buy additional merchandise like shampoo, cologne, deodorant, perfume, soap, fabric softener, undergarments and other products that are needed to increase her product inventory. She is hoping she will further improve the business through this financial assistance.

Jerlie dreams for her business to grow bigger and hopes to give her children a good life and education. She meets up with her co-fellowship* members to share stories of her life and business every week and also 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
  • 1518
    View loans »
    Philippines Loans Fundraising
  • $56,687,475
    Funds lent in using Kiva
  • 43.8
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $750 helped Jerlie to pay for additional supplies and merchandise like undergarments, deodorant, and cosmetics needed in her business.
100% repaid
Repayment Term
5 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Jun 13, 2014
Listed
Jul 3, 2014
Currency Exchange Loss:
Possible
Ended:
Oct 17, 2014