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This is Lorna, 54, a resident of Intramuros, a district in Manila, Philippines. She is married to Melanio, a security guard, and she is a mother to her children. Lorna, together with her husband, manages their household while operating a business. At this time, she is working hard to continually provide income for her everyday expenses.

Lorna maintains a direct-selling business. She sells clothing, footwear, undergarments, cosmetics, and other products through the popular direct sales catalogue, selling brands like Avon, Fuller Life, Natasha, Boardwalk, Marikina Shoe Exchange, and other direct-selling brands.

Direct sales works as follows. A customer's order is bought in cash by a dealer (e.g., Lorna) and then the product is given to the customer with a one-month-to-pay credit. Dealer’s costs are lower than the prices shown in the catalogue -- the difference between the dealer's cost and the catalogue price represents the profit that dealers generate as their income.

Lorna'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 operations of her business, Lorna is requesting a 10000 PHP loan. She will be utilizing the loan to buy additional supplies and merchandise products, like shampoo, cologne, deodorant, perfume, soap, fabric softener, undergarments, and other products needed in her business. She expects a boost in her business income as she expands her business.

Lorna hopes to give her children a good, quality education and she dreams of having a good life for her family. She faithfully meets every week with her co-fellowship members where she can share stories of her work 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 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
  • 340
    View loans »
    Philippines Loans Fundraising
  • $65,961,850
    Funds lent in using Kiva
  • 41.0
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $250 helped Lorna to pay for additional supplies and merchandise products, like clothing, footwear, undergarments, and cosmetics needed in her direct sales business.
100% repaid
Repayment Term
5 months (Additional Information)
Repayment Schedule
Dec 6, 2012
Dec 10, 2012
Currency Exchange Loss:
Apr 17, 2013