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Lutchie, aged 28, is a resident of Bacoor, Philippines. She is married to Ersus, a worker, and she is a mother to her children. She manages their household while operating her business. At this time, she is working hard to continually provide income for her everyday expenses.

Lutchie operates a direct selling business. She sells clothing, footwear, undergarments, cosmetics and other products from the popular direct selling brands like Avon, Fuller Life, Natasha, Boardwalk, Marikina Shoe Exchange, etc. A customer's order is bought in cash by the dealer and then given to the customer with one-month's credit. The dealer’s prices are lower than those in the catalogue and thus they earn the profits that they depend on as their income. Lutchie's regular customers are her neighbors and the local community. She earns a minimum of 2000 PHP in sales every week.

To help her continue operating her business, Lutchie is requesting a 12,000 PHP loan. She will be utilizing the loan to buy supplies and merchandise products like shampoo, cologne, deodorant, perfume, undergarments, etc. needed for her business. She expects a boost in her business income as she expands her business.

Lutchie hopes to grow her business in the coming years and dreams of her family having a good life. She faithfully meets up with her co-fellowship members to share stories of her work every week and she can also draw strength and inspiration from the Word of God she studies there.

* 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 repay 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
  • 379
    View loans »
    Philippines Loans Fundraising
  • $70,814,925
    Funds lent in using Kiva
  • 41.1
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $300 helped Lutchie to buy supplies and merchandise products needed for her business.
100% repaid
Repayment Term
5 months (Additional Information)
Repayment Schedule
Nov 12, 2012
Nov 23, 2012
Currency Exchange Loss:
Mar 15, 2013