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This is Concepcion P., 56, who is married to Bernard P. and the mother of their one and only child. She is a resident of Caloocan City just north of Manila on the island of Luzon. At this time, she is working hard to be able to support her child and to continue sending him all the way through college. This is a dream for most Filipino parents like Concepcion, as she herself has been a college undergraduate and believes that a college diploma is the best inheritance parents can leave their children.

Concepcion operates a smoked-fish vending business. What she basically does is buy a quantity of fresh fish from the market and process them by smoking them until they are ready to sell. She packs these dried fish at prices ranging from 15 PHP, 30 PHP and 50 PHP depending on the quantity of fish per pack. Her regular customers are her neighbors and the local community. She earns a minimum of 200-300 PHP in sales every day.

To help her continue operations, she is requesting a 14,000 PHP loan. She will be utilizing the loan to buy more quantities and varieties of fish to expand her inventory. She expects a boost in her business income as she expands her business.

Concepcion dreams of giving her child a good and high quality education through her hard work in her business. She also hopes to have her house renovated by the end of the year. She faithfully meets up with her co-fellowship members to share stories of her work every week.

* All CCT community partners and clients are organized into fellowship groups that meet on a weekly basis. A fellowship group is composed of fifteen to thirty 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
  • 714
    View loans »
    Philippines Loans Fundraising
  • $63,275,575
    Funds lent in using Kiva
  • 43.9
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $325 helped Concepcion buy more quantities and varieties of products to expand her product inventory.
100% repaid
Repayment Term
5 months (Additional Information)
Repayment Schedule
Sep 8, 2010
Oct 1, 2010
Currency Exchange Loss:
Jan 15, 2011