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Vilma M., 51, is a single mother who has solely provided for her child's education up to college level. Vilma is a college undergraduate who runs a business buying and selling frozen meats, such as sausages, hot dogs, sweetened pork meat, etc. Every day, Vilma makes sure that she earns enough to meet her family's daily needs, including school expenses for her child. Vilma and her child live in Apilo Cruz, Pasay City.

Vilma buys frozen food products from manufacturers at wholesale prices and then sells these items piecemeal with a minimum markup. She also supplies balot (a fertilized duck egg with a nearly-developed embryo inside that is boiled and eaten in the shell) to balot vendors in her locality. Vilma earns an estimated monthly income of PHP 10,000.

To help her continue business operations, Vilma would like to request a PHP 50,000 loan, which she will use to buy frozen meats in bulk and to purchase food items ordered in advance by her customers. She will also use the loan to purchase trays of eggs for balot making. Vilma believes she will gain an increase in her earning capacity as a result of this loan. Vilma fervently prays for good health and successful studies for her child. She also hopes to someday establish another outlet for her business.

As a CCT community partner, Vilma faithfully attends the group's weekly fellowship* meeting where she can also draw strength and inspiration from the Word of God she receives.

*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
  • 758
    View loans »
    Philippines Loans Fundraising
  • $63,325,000
    Funds lent in using Kiva
  • 43.5
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,150 helped Vilma to buy frozen meats in bulk.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Feb 18, 2011
Mar 12, 2011
Currency Exchange Loss:
Sep 15, 2011