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This is Merlita, 53, a resident of Bacoor, Cavite City, Philippines. She is married to Juancio, a vendor, and a mother of three children. She, together with her husband, manage their own household while operating the business. At this time, she is working hard to continually provide income for their everyday expenses.

Merlita operates a handicrafts business. What she basically does is buy raw materials used in handy-crafts making from a supplier, then she manufactures these items to make different products in order to sell them on a per piece for a profit. Products can range from lanterns, lampshades and other products of the like. Customers are attracted to buy due to the low selling prices and the many options she offers. Her regular customers are the local community. She earns a minimum of Php 5000 in sales every week.

To help her continue operations of her business, she is requesting a Php 32, 000 loan. She will be utilizing the loan to buy raw materials and supplies needed in her business. She expects a boost in her business income as she expands her business.

Merlita dreams to expand her business and help her children finish their studies 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 where 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.

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
  • 313
    View loans »
    Philippines Loans Fundraising
  • $70,622,575
    Funds lent in using Kiva
  • 43.0
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $750 helped Melita to pay for the raw materials needed in her business.
100% repaid
Repayment Term
7 months (Additional Information)
Repayment Schedule
Mar 6, 2012
Mar 25, 2012
Currency Exchange Loss:
Sep 15, 2012