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Merlita is 52 years old, married, and has three children. She is a resident of Bacoor, Cavite, Philippines. Merlita operates a handicrafts business. She buys raw materials used in handicrafts making from suppliers, manufactures them into different products, and sells them per piece at a profit. Products include lanterns, lampshades, and other products of that ilk. Customers are attracted by the low selling prices and the many options she offers. Her regular customers are the local community. She earns a minimum of 4,000 PHP in sales every week.

To help her continue operations of her business, Merlita is requesting a loan for 40,000 PHP, which she will use to buy raw materials and supplies needed in her business. She expects a boost in her business income as she expands. She, together with her husband, manages their household while operating the business. At this time, she is working hard to continually provide income for their everyday expenses.

Merlita hopes to expand her business and give her family a good future through all her hard work. 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 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. The fellowship groups gather each week to study God, build social capital, and pay 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
  • 375
    View loans »
    Philippines Loans Fundraising
  • $70,809,250
    Funds lent in using Kiva
  • 41.6
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $975 helped Merlita to purchase materials needed in her manufacturing business.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Sep 4, 2012
Sep 14, 2012
Currency Exchange Loss:
Apr 17, 2013