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The desire to help does not depend on one's circumstances. Our CCT* Community Partner, Michelle F., 27, does not emphasize the fact that she is in need, but seeks first to help others meet their own needs. Michelle is a single parent. She reached college, and with her current business she raises three dependents. One child is already in elementary school, and two are not studying yet. Her family resides in Caloocan City.

Michelle buys and sells clothes in the Ready To Wear (RTW) business. She sells clothes like shirts and pants to her business connections and friends. Also, Michelle sees a future in selling peanut butter, which she makes herself. This business is a hit primarily because Michelle gets the taste that favors the appetites of her customers. Monthly, Michelle is able to earn an estimated net income of around Php10,500.

To help her continue the operation of her business, she requests a Php15,000 loan. She will add this loan to the money she currently has in order to purchase more clothes and accessories, as well as ingredients for peanut butter, sugar and peanuts.

She recognizes that exhaustion keeps her down and becomes her major struggle, but she is determined to overcome the tiredness mentality, get enough rest everyday, and grow her business. She sees her business as a way to help her family and her community. Her hope is to give her children a bright future, and one step toward that is to be able to send them to school, up to college.

*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
  • 1864
    View loans »
    Philippines Loans Fundraising
  • $61,075,150
    Funds lent in using Kiva
  • 44.4
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $350 helped Michelle to purchase ingredients for peanut butter-making, and apparel to sell.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Jan 20, 2011
Jan 25, 2011
Currency Exchange Loss:
Aug 15, 2011