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One of the community partners of CCT*, Elvies T., dreams big for both his business and family. Elvies has been able to graduate from college. At 36, he is married to Irene, with whom he has three children. Together they live in Tanza, Cavite. To reach those big dreams, one of the steps Elvies took is to become a community partner of CCT.

Elvies runs a mini grocery, a dream for many small variety store owners. He also sells ready-to-wear clothes and school supplies based on the needs of his community. He has been running this business for five years now and is still counting. He manages to run the mini grocery alone, and monthly he earns an average of Php12,000.

To help him continue operation of his business, he would like to request a Php45,000 loan. With this amount he plans to buy a jeepney of his own with which he can deliver goods or products from one place to another. This will be of great help to his business, both for the mini grocery and the RTW business. The remainder of the loan money will be used to purchase more grocery items to add to his store.

Elvies constantly prays for a second floor to add to their house, because he wants the home to become better than it is at present. Also, it is his desire for his business to become productive and enable him to prepare a good future for his family. Of course, it is easily said than done, but for a person like Elvies who has the passion and determination to reach for his big dreams, nothing is impossible.

*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
  • 1859
    View loans »
    Philippines Loans Fundraising
  • $61,075,150
    Funds lent in using Kiva
  • 43.9
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,050 helped Elvies to re-stock inventory and a jeepney unit to be used for delivery of stock.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Feb 22, 2011
Feb 25, 2011
Currency Exchange Loss:
Sep 15, 2011