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Eliza N., 30, is making sure that her family has enough provisions for their daily needs. She is married to Richienel N. and they are blessed with five children. She makes sure that she helps her husband earn so that their family can have a better life. Together they have been selling electronic gadgets for ten years.

Eliza has been a regular member of Center for Community Transformation* (CCT) for more than two years now. She regularly attends the weekly fellowship meetings and pays her weekly dues consistently. Because of her good repayment performance with her previous loans, she was able to borrow nine times in CCT’s cooperative. She is consistent in paying her dues because she used the money she borrowed solely to buy assorted electronic gadgets. Her business lets her earn a profit of PHP 17,400 per month.

Now, with your help, Eliza would like to apply for a PHP 20,000 loan. This amount will be used as a source of added capital for her expanding business by buying more electronic gadgets and appliances.

Eliza dreams that her business will continue to grow so that her family will have better living conditions in the future.

* All CCT community partners / clients are organized into fellowship groups that meet on a weekly basis. A fellowship group is composed of fifteen to thirty 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
  • 1481
    View loans »
    Philippines Loans Fundraising
  • $59,409,725
    Funds lent in using Kiva
  • 45.9
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $450 helped Eliza to buy more electronic gadgets for her business.
100% repaid
Repayment Term
5 months (Additional Information)
Repayment Schedule
Jan 5, 2010
Jan 18, 2010
Currency Exchange Loss:
May 15, 2010