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Simeona B., 59, is making sure that her family has enough provisions for their daily needs. Happily married to Danilo B., a farmer, they are blessed with 5 children. Simeona makes sure that she helps her husband earn so that their family can have a better life. She has been into managing an ornamental and flower raising business while also operating a tricycle unit for seven years now.

Simeona has been a regular member of the Center for Community Transformation (CCT) for more than five years now. She regularly attends its weekly fellowship meetings* and pays her weekly dues consistently. Her good repayment performance with her previous loans means she was able to borrow six times from CCT’s Cooperative. She is consistent in paying her dues because she used the money she borrowed to expand and improve her business.

To ensure the success of her business, Simeona would like to apply for a loan of 12,000 PHP. This amount will be used as a source of added capital to her expanding businesses for buying additional ornamental plants, needed materials and also buying spare parts for the maintenance of their own tricycle unit.

Simeona dreams that her business will continue to grow so that she can buy an additional home lot for their children to settle on someday.

* 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
  • 1520
    View loans »
    Philippines Loans Fundraising
  • $59,173,600
    Funds lent in using Kiva
  • 46.6
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $275 helped Simeona buying additional ornamentals, fertilizers, needed materials and spare parts for the maintenance of tricycle unit.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
May 20, 2010
May 24, 2010
Currency Exchange Loss:
Dec 16, 2010