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Emily A., 60, is making sure that her family has enough for their daily needs. She is married to Jose A. and they are blessed with five children. She helps her husband earn income to ensure their family can have a better life. She has been managing her variety store while also operating a tricycle business.

Emily has been a regular member of Center for Community Transformation* (CCT) for more than a year now. She regularly attends their weekly fellowship meetings and pays her weekly dues consistently. Because of her good repayment performance with previous loans, she has been able to borrow quite a few times in CCT’s Cooperative. She is consistent in paying her dues because she used the money she borrowed to expand and improve her businesses.

Now, with your help, she would like to apply for a PHP 17,000 loan. This amount will be used to buy groceries to maintain stock in her expanding business.

She dreams that her business will continue to grow so that she can provide enough for her family for them to be satisfied and content in their life.

* All CCT community partners/clients are organized into fellowship groups that meet on a weekly basis. A fellowship group is composed of 15 to 30 community partners. The fellowship groups gather each week to study the Word of God, build social capital, and pay microfinance 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
  • 2063
    View loans »
    Philippines Loans Fundraising
  • $61,219,850
    Funds lent in using Kiva
  • 46.1
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $375 helped Emily to buy groceries to maintain stock.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Feb 17, 2010
Mar 3, 2010
Currency Exchange Loss:
Aug 15, 2010