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Emmalinda R., 41, is making sure that her family has enough for their daily needs. She is married to Joselito R., a buko (coconut) juice vendor, and they are blessed with two children, one in elementary education and the other in high school. Emmalinda, a college graduate, helps her husband earn a living so they will be able to send their children to college. Together, they live in Lalaan 1, Silang, Cavite, Philippines.

Emmalinda has been managing her own buko (young coconut) salad and buko juice business for ten years now. Coconut water (buko juice, in the Philippines) is the liquid inside young coconuts. It’s watery and only subtly coconut flavored – sort of sweet and grassy. Young coconut juice can be used as a sports drink or a simple beverage that is usually sold in Filipino restaurants. Emmalinda, along with her husband, used to sell fresh buko juice and buko salad among her neighbors and in the local community. Monthly, she earns an estimated net income of around 12,000 PHP.

To help her continue operation of her business, Emmalinda is requesting a loan of 50,000 PHP. She plans to use this loan to purchase more fresh young coconuts to sell and other raw materials needed for her buko salad business. She believes she will see an increase in her earning capacity as a microentrepreneur through this loan. Emmalinda dreams that her business will continue to grow so that she can have enough money for her children’s college education. As a CCT community partner, she faithfully attends the group's weekly fellowship* meeting where she can also draw strength and inspiration from 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. The fellowship groups gather each week to study the Word of God, build social capital and pay 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
  • 389
    View loans »
    Philippines Loans Fundraising
  • $70,831,400
    Funds lent in using Kiva
  • 43.6
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,150 helped Emmalinda to buy fresh young coconuts for resale and other ingredients needed for her buko business.
100% repaid
Repayment Term
7 months (Additional Information)
Repayment Schedule
Mar 16, 2011
Mar 30, 2011
Currency Exchange Loss:
Sep 15, 2011