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Imelda, age 47, operates a buy-and-sell business. What she basically does is buy general merchandise from wholesalers and sell these items at a small profit. Her products are men's and women’s clothes and other products of the like. Customers are attracted to buy her wares due to the low selling prices and the many options she offers. Her regular customers are her neighbors and the local community. She earns a minimum of 300 Philippine Pesos (PhP) in sales every day.

Imelda lives in Cabrera, Pasay, with her husband Roldan and their children. She and her husband manage their household together while operating the business. She works hard to continually provide income for the family's everyday expenses.

To help her continue operations of her business, Imelda is requesting a PhP 17,000 loan. She will be utilizing the loan funds to buy second-hand clothing items and new merchandise such as undergarments to expand her product inventory. She expects a boost in her business income as she expands her business.

Imelda hopes eventually to add more stalls and dreams of providing her children with a good education. She faithfully meets up with her co-fellowship* members to share stories of her life and business every week, 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 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
  • 378
    View loans »
    Philippines Loans Fundraising
  • $66,137,075
    Funds lent in using Kiva
  • 40.7
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $425 helped Imelda to buy second-hand clothing items and new merchandise such as undergarments to expand her product inventory.
100% repaid
Repayment Term
7 months (Additional Information)
Repayment Schedule
Feb 8, 2013
Feb 15, 2013
Currency Exchange Loss:
Aug 17, 2013