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Lourdes A., age 51, and her husband, Remy, have six children. Three of their children are working, one is in college, one is in high school, and one is in elementary school. Lourdes works hard to cover the family's daily expenses and to pay for the children's education.

Lourdes has applied for a loan of PHP 10,000 to help her purchase additional seeds and fertilizer for her farm. Crop failures and pests can make her farming an unpredictable business and the loan should help her ensure than she can continue to generate income.

Lourdes has been a member of the Center for Community Transformation (CCT) through several loan cycles and has consistently attended weekly fellowship meetings.* She hopes that her children will successfully complete their education and that over time her farming business will expand.

* 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 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
  • 1575
    View loans »
    Philippines Loans Fundraising
  • $59,060,350
    Funds lent in using Kiva
  • 44.8
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $225 helped Lourdes to purchase seeds and fertilizer.
100% repaid
Repayment Term
5 months (Additional Information)
Repayment Schedule
Aug 10, 2010
Sep 5, 2010
Currency Exchange Loss:
Dec 16, 2010