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Melanie Q., age 48, and her husband have eight children, five of whom are in school. The couple work hard to cover their daily expenses and provide for their children's education. For the past ten years Melanie has owned and run a sari-sari store (general store) and small salon providing manicures, pedicures, and massages.

Melanie has requested a PHP 10,000 loan to purchase snacks and other groceries for her sari-sari store in hopes that the additional inventory will help attract more customers and increase her sales. Loans allow her to buy in bulk, minimizing transportation costs.

Melanie has been a member of the Center for Community Transformation (CCT) for several loan cycles and has consistently attended weekly fellowship meetings.* She hopes that eventually proceeds from her store will allow her to fully cover her children's educational expenses.

* 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
  • 1471
    View loans »
    Philippines Loans Fundraising
  • $59,117,025
    Funds lent in using Kiva
  • 45.3
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $225 helped Melanie inventory.
100% repaid
Repayment Term
5 months (Additional Information)
Repayment Schedule
Aug 12, 2010
Aug 27, 2010
Currency Exchange Loss:
Dec 16, 2010