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Maria Ligaya
This is Maria Ligaya, she is 41 and a resident of Silang Cavite, Philippines. She is married to Rosendo, a contractor, and is the mother of four children. She, together with her husband and children, manage their own household while operating the business. At this time, she is working hard to continually provide income for their everyday expenses.

Maria Ligaya is a coconut dealer. She buys coconut from different farmers in nearby provinces and delivers it to her regular customers, the coconut retailers, who sell the coconut per piece or use it in their own business. She also manages a small variety store for added income. She earns a minimum of PHP 2000 in sales every day.

To help her continue the operations of her business, she is requesting a PHP 50,000 loan. She will be utilizing the loan to buy additional stocks of the coconut needed in her business. She expects a boost in her business income as she expands her business.

Maria Ligaya hopes to be able to expand soon, just as she hopes that her children will finish their studies up to college. She also dreams of buying a vehicle to be used in her business. 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 repay 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
  • 555
    View loans »
    Philippines Loans Fundraising
  • $69,906,675
    Funds lent in using Kiva
  • 43.3
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,175 helped Maria Ligaya to pay for additional stocks of the coconut needed in her business.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Nov 21, 2011
Dec 5, 2011
Currency Exchange Loss:
Jun 15, 2012