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This is Melchora, a 51-year-old resident of GMA, Cavite, Philippines. She is married to Johnny and they have children. She and her husband manage their household while operating the business. She works hard to provide income for their everyday expenses.

Melchora buys general merchandise from wholesalers, selling it at a small profit. Her products are children and women’s clothes and the like. Her customers, consisting of neighbors and the local community, are attracted to buy due to her low selling prices and the many options she offers. She earns a minimum of 300 Philippine Pesos (PHP) in sales every day.

To help Melchora continue operation of her business, she is requesting a Php10,000 loan to buy RTW products and merchandise items such as women and children's wear to expand her product inventory.

Melchora hopes for continued business success and dreams of having a good future. She meets up with her co-fellowship* members to share stories of her life and business every week and 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 who 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
  • 388
    View loans »
    Philippines Loans Fundraising
  • $66,139,225
    Funds lent in using Kiva
  • 40.6
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $250 helped Melchora to pay for additional stocks of merchandise such as women and children's clothing.
100% repaid
Repayment Term
5 months (Additional Information)
Repayment Schedule
Feb 21, 2013
Mar 21, 2013
Currency Exchange Loss:
Jun 17, 2013