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This is Lucila M., 63 years old. Although already a senior citizen, her eyes are still sharp enough that she can still use her sewing machine and make a living from it. She lives with her husband Romeo, age 60, a family driver in Maricaban, Pasay City. All their four children are now working.

Lucila has been sewing dresses for all types of people for twenty years now. She specializes in school uniforms. Just recently, she found time to prepare sandwiches and sell them to her clients. She found out that she could earn additional income from it, so she seriously attended to her new business along with her first love – dressmaking.

She became a member of the Center for Community Transformation (CCT) Credit Cooperative in 2002. Now on her 10th loan cycle, Lucila applied for a 15,000 PHP loan so she can purchase and store different kinds of sandwich spread for her new business.

Lucila says she couldn’t ask for more, because she has already seen the fruits of her labor – all her children have finished schooling and are now working.

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

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
  • 1450
    View loans »
    Philippines Loans Fundraising
  • $59,289,200
    Funds lent in using Kiva
  • 46.7
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $325 helped Lucila additional capital for her new business venture.
100% repaid
Repayment Term
7 months (Additional Information)
Repayment Schedule
Nov 4, 2009
Nov 20, 2009
Currency Exchange Loss:
May 15, 2010