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This is Floranie, 34, a resident of Taguig City, Philippines. She is married to Ryan, a project coordinator, and together they manage their household while operating a business. She works hard to continually provide income for their everyday expenses.

Floranie operates an electronic gadget retail / wholesale business. She buys cell-phone units or other gadgets from suppliers, then she sells them with a little profit. Her products are mobile handsets, tablets, and other gadgets of that kind. She also offers watches, accessories, clothing, cosmetics, and electronic loading service (prepaid mobile phone minutes). Customers are attracted to buy, due to her low selling prices and the many options she offers. Her regular customers are her neighbors and the local community. She earns a minimum of 500 Philippine Pesos (PHP) in sales, every day.

To help her continue operating her business, she is requesting a PHP 35,000 loan. She will use the loan to buy an additional stock of mobile phone units, and other items to expand her product inventory. She expects a boost in her business income, as she expands her business.

Floranie hopes to have her own boutique or store, where she could house all her items. She also desires to become a real estate broker. She faithfully meets with her co-fellowship members* every week, to share stories of her work and to 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
  • 374
    View loans »
    Philippines Loans Fundraising
  • $70,797,850
    Funds lent in using Kiva
  • 44.0
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $800 helped Floranie to pay for additional mobile phones and other electronic gadgets for her inventory.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
May 29, 2014
Jun 21, 2014
Currency Exchange Loss:
Dec 17, 2014