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This is Mercedita, 40, a resident of Payatas, Quezon City, Philippines. She is married to Cirilo, and a mother to her children. She keeps herself busy attending to her family and doing business as her way of helping her husband in meeting daily expenses.

Mercedita is in a pillow making business. She cuts scrap materials from textiles, foams and fibers, puts them in a plain pillow case and covers it with a better looking pillow case of various cartoon designs. She makes different kinds and sizes of pillows. She also sells foam. Her regular customers are her neighbors and local community. She also has clients in the market that regularly order pillows from her. She earns a minimum of 300 PHP in sales every day.

To help her continue operations of her business, she is requesting a 32,000 PHP loan. She will be utilizing the loan to buy more scrap materials that she will use to make pillows. She expects a boost in her income as she expands her business. Her earnings would be a big help for the educational expenses of her children.

Mercedita hopes that her business will continue to grow and help her to send all her children in school. She wants a good life and health for her family. She faithfully attends the weekly fellowship* that allows her to listen to the word of God and have a better relationship not only to God but also to her family and community.

* All CCT community partners / clients are organized into fellowship groups that meet on a weekly basis. A fellowship groupis composed of 15 to 30 community partners. The fellowship groups gather each week to study the Word of God, build socialcapital, and pay 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
  • 477
    View loans »
    Philippines Loans Fundraising
  • $70,831,400
    Funds lent in using Kiva
  • 42.9
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $750 helped Mercedita to pay for the materials needed for making pillows.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
May 24, 2013
Jun 13, 2013
Currency Exchange Loss:
Dec 17, 2013