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This is Merlinda, 54, a resident of Cavite, Philippines. She is a widow and the mother of five children. Together with her children, she manages a household while operating a business. Merlinda works hard to continually provide income for her family's everyday expenses.

Merlinda operates a fruit stand and buys seasonal fruits that are native to the Philippines, such as bananas, which are grown mostly in the southern region of Luzon. Merlinda also sells other Filipino fruit staples and she operates a variety store to provide additional income. Her regular customers are her neighbors and the local community and she earns a minimum of 500 PHP in sales every day.

Merlinda is requesting a 12,000 PHP loan to buy more quantities of fruit to expand her product inventory. She expects a boost in her business income as she expands her business. Merlinda faithfully meets up weekly with her co-fellowship members to share stories of 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 that gather weekly 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
  • 374
    View loans »
    Philippines Loans Fundraising
  • $66,137,075
    Funds lent in using Kiva
  • 42.3
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $300 helped Merlinda to buy fruit to sell.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Jun 11, 2012
Jun 29, 2012
Currency Exchange Loss:
Jan 15, 2013