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Modesto D. S., aged 43, and his wife Hernani, are blessed in their marriage with a happy family. They live in Sabutan, Silang, Cavite. Modesto and his wife run a small fruit stand that sells pineapple, bananas and corn among other items, and which generates 18,000 PHP per month in earnings.

Modesto would like to expand his business with a loan of 10,000 PHP, which he will use to purchase additional varieties of fruit to meet the demands of his customers. He hopes that the additional variety will allow him to generate more revenue and increase the family's savings. Modesto hopes that eventually the business will generate enough revenue to allow him and his wife to have and support children.

Modesto has been a member of Kiva partner, the Center for Community Transformation (CCT), since 2005 and has consistently paid his weekly dues during fellowship meetings* . He is currently on his 12th loan with CCT.

* 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. They 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
  • 1886
    View loans »
    Philippines Loans Fundraising
  • $61,001,400
    Funds lent in using Kiva
  • 45.0
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $225 helped Modesto to purchase additional fruits to sell.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Jul 22, 2010
Aug 7, 2010
Currency Exchange Loss:
Nov 15, 2010