A loan of $625 helped to purchase additional inventory of clothes and processed meats.


Ligaya's story

This is Ligaya, sixty-one, a resident of Pasay City, Philippines. She is a widow and a mother of four children. She manages her household while operating the business. At this time, she is working hard to continually provide income for their everyday expenses.

Ligaya runs an “ukay-ukay” business. “Ukay” literally means to “dig out” or “hollow out” from a stack or heap of anything. In Yolanda’s case, she sells used (but not yet worn out) clothes that are usually stacked up on a table or mat. Some special kinds are displayed on hangers. In the Philippines, especially in urban poor communities, many people resort to buying used clothes from “ukay-ukay” stalls. These are very much cheaper than brand new clothes sold in malls. Since her stall is located in an urban poor public market, her business flourishes. She earns a minimum of 300 Philippine Pesos (PHP) net sales every day.

To help her expand the business, Yolanda is requesting a PHP 26,000 loan to buy additional used-but-quality clothes. Customers are attracted to buy from an “ukay-ukay” stall with lots of clothes to choose from. She plans to add more pants or jeans, also used bags and footwear. If she can roll over the profits from this loan, she can meet the customers’ demand. Through proper management of capital and profit, she can expand her business and boost its income.

Ligaya hopes to to give her family a good future through all her hard work on her business. She faithfully meets up with her co-fellowship* members to share stories of her work every week and were she can also draw strength and inspiration from 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 pay Micro Finance loans.



Loan details


Lenders and lending teams



Loan details