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Flordelina N., 41 years old, seems to be an unstoppable entrepreneur. Her husband Rodrigo, 44, a hardworking man, is an electrician. They have three children; two are enrolled in college and the youngest is in high school.

Flordelina, to her credit, has a number of businesses. She manages a tricycle transport. She also sells electronic load credits for mobile phones, which have now become a necessity for people. In addition, she makes and sells peanut butter and she buys and sells pork and chicken. All these, when combined, give Flordelina a sure monthly income of P13,700.00 a month. Her profits are enough to support her children’s education.

Since joining the Center for Community Transformation (CCT) Credit Cooperative in September 2006, Flordelina has been enjoying its many benefits for its members, who are mostly housewives. She is now on her 10th loan cycle with CCT. She is expecting to receive a fresh loan from the cooperative in the amount of P22,000.00, which she will divide amongst her businesses as additional capital.

The couple wishes to see all their children finish their college education.

About CCT

The Center for Community Transformation (CCT) is an organized Christian response against poverty and social injustice. This is carried out through the fusion of social development initiatives and evangelical mission in a uniquely Filipino context. It serves urban and rural poor communities throughout the Philippines, in pursuit of its desire to see changed lives, strong families, and transformed communities centered in the Lordship of Jesus Christ.

CCT is a member of the Five Talents family.

Additional Information

More information about this loan

On Friday November 8, 2013, Super Typhoon Haiyan made its way through Southeast Asia, causing substantial damage to homes and businesses in areas of the Philippines. Given the state of devastation following this storm, borrowers living and working in these areas may have difficulty making repayments on their loans, thus making their Kiva loans higher risk. More 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

  • $1175
    Average annual income
  • 226
    View loans »
    Philippines Loans Fundraising
  • $52,023,300
    Funds lent in using Kiva
  • 47.1
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $475 helped Flordelina additional capital.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Sep 29, 2009
Oct 27, 2009
Currency Exchange Loss:
Apr 15, 2010