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Elsa J., 53, lost her dear partner in life, but now lives for her one child, who is in college. Elsa and her child currently stay in Caloocan City, Philippines. With all heart and strength, Elsa strives to make sure she gives her child a good life.

Elsa manages a computer shop, which is up and growing a year after it was started. Elsa offers Internet access to people in her community, particularly to the young generation who use the Web for educational purposes as well as for entertainment. Adults also gain needed Internet access, thanks to Elsa's business, which earns PHP 400 on an average day.

Elsa plans to add one more computer to her store in order to accommodate more customers, so she would like to apply to CCT* for a PHP 18000 loan. Her ultimate goal for her business is to increase the number of her computers and expand the business.

At present, Elsa battles the lack of sleep brought by having to supervise the computer shop from early morning to late at night. But if her goal of attaining a happy, abundant life with her only child is to be kept in mind, Elsa is sure to win the battle and live life to its fullest.

*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
  • 712
    View loans »
    Philippines Loans Fundraising
  • $63,203,625
    Funds lent in using Kiva
  • 43.7
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $425 helped Elsa to purchase an additional computer for her Internet services business.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Oct 26, 2010
Nov 23, 2010
Currency Exchange Loss:
May 15, 2011