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Lerma, age 61, operates a dress-making business. She primarily offers curtains, but she also offers clothing items such as dresses, blouses, shirts, pants, and skirts. Neighbors come to her to request made-to-order clothes or curtains. In addition to her business, Lerma offers rooms in her house for rent as a dormitory. She earns a minimum of 8,600 Philippine pesos (PHP) a month.

Lerma and her husband Maximo have two children and live in Malibay, Pasay City. Maximo is a carpenter. At this time, Lerma is working hard to be able to send her children all the way through college. Like most Filipino parents, Lerma believes that a college diploma is the best inheritance parents could leave to their children, particularly as she herself has been an undergraduate.

To help her continue operations of her business, she is requesting a PHP 14,000 loan. She will be utilizing the loan to buy additional quantities of raw materials like fabric, thread, and newspapers for patterns. A portion of the loan will be used to renovate a room to prepare it for rental. She expects a boost in her business income as she expands her business.

Lerma dreams of being able to give her children a good, high-quality education through all her hard work on her business, and hopes to have her own shop for her clothes and curtains. She faithfully meets up with her co-fellowship* members to share stories of her work every week.

*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 micro-finance 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
  • 487
    View loans »
    Philippines Loans Fundraising
  • $69,645,400
    Funds lent in using Kiva
  • 42.5
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $350 helped Lerma to buy raw materials like fabric, thread, and newspapers for patterns.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Jul 22, 2011
Aug 16, 2011
Currency Exchange Loss:
Feb 15, 2012