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Mercelita P., 43, hails from the province of Pangasinan but has migrated to Camarin, Caloocan City with her family. She is married to Nathaniel, who is also 43, and a taxi driver. The eldest of their two children is now in college and their other child is still in grade school.

Mercelita manages the operation of their taxi. She also finds time making and selling home-made spring rolls and other preserved meat products. She found it to be an interesting hobby and source of income as well. Although she complains that subsequent oil price affects their taxi operation. From her profits, she was able to purchase replacement tires for their taxi.

She joined the Center for Community Transformation (CCT) Credit Cooperative only this year. She will use the funds for the preventive maintenance of the taxi. She has been saving a lot so as to be able to buy more taxi units so she can help employ other people.

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
  • 884
    View loans »
    Philippines Loans Fundraising
  • $63,400,500
    Funds lent in using Kiva
  • 46.5
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $250 helped Mercelita preventive maintenance of the taxi.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Nov 19, 2009
Dec 4, 2009
Currency Exchange Loss:
Jun 15, 2010