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This is Emelia, 47, a resident of Pasay City, Philippines. She is married to Yonilo, a driver. The couple has children. Emelia, together with her husband, manages her household while operating her business. She works hard to provide income to cover her everyday expenses.

Emelia operates a retail footwear business and she sells shoes, sandals, and other similar products. She buys general merchandise from wholesalers and then sells it retail to make a little profit. Customers are attracted to her low prices and many product options. Emelia's regular customers are her neighbors and local community members. She earns a minimum of 500 PHP in sales every day.

Emelia is requesting a 21,000 PHP loan to buy more quantities and varieties of sandals and slippers to expand her product inventory. She expects a boost in her income as she expands. Emelia hopes to expand her business in the coming year and give her children a high-quality education through all of her hard work on her business. She faithfully meets up weekly with her co-fellowship* members to share stories about her work and draw strength and inspiration from studying 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 who meet to study the Word of God, build social capital, and repay 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
  • 367
    View loans »
    Philippines Loans Fundraising
  • $70,667,525
    Funds lent in using Kiva
  • 43.1
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $300 helped Emelia to buy slippers and other products for her business.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Feb 29, 2012
Mar 28, 2012
Currency Exchange Loss:
Sep 15, 2012