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Esmeralda
Esmeralda C., 59 years old, and her husband Nolasco, also 59, have been farming for forty years now. Nolasco also drives for a living. They have six children. They live together in the breezy town of Silang, Cavite.


When they are in season, Esmeralda trades bananas, pineapples, and other crops from their farm in the nearby market. But while waiting for the harvest to come in, she gets to attend to her general store (as shown in the picture). She is earning close to 26,000 PHP a month. She uses her profits and other savings to send her children to school; they still have two college students. Esmeralda is proud enough to declare that four of their six children finished college out of their earnings. She was also able to purchase a jeepney, which they are now using to deliver fruits and other crops to the market.


Esmeralda joined the Center for Community Transformation (CCT) Credit Cooperative in 2005. She loves the camaraderie of the women entrepreneurs. She is applying for a new loan in the amount of 24,000 PHP, which she will use to fund the next pineapple crop. She will purchase fertilizers, pesticides, and other farm tools. Some of the funds will be used to purchase grocery items to sell at her store.


Esmeralda wishes to get rich so she can help her poor neighbors and relatives. Her usual prayers include good health and harmonious relationships amongst her children.


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 missions 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
  • 353
    View loans »
    Philippines Loans Fundraising
  • $50,957,200
    Funds lent in using Kiva
  • 47.7
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $525 helped Esmeralda to purchase fertilizers, pesticides, and additional grocery items.
100% repaid
Repayment Term
7 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Oct 8, 2009
Listed
Nov 6, 2009
Currency Exchange Loss:
Covered
Ended:
Apr 15, 2010