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Growth is very important in business as in life in general. Lourdes C., a CCT* community partner, sees its value in her life. At 57, she has some college learning to look back to, but what helps her a lot with her business now is her involvement in the entrepreneurial trainings and Bible studies in CCT.

Lourdes is married to Bonifacio, and together they have three children. Their family resides in Dasmarinas, Cavite.

Lourdes is part of the food industry on the local level. She sells smoked fish and dried fish along with cold cuts and frozen food. Because her sales depend on the demand of her regular customers in the community, her income varies every month, but it averages roughly PHP 11,300.

With no employees to help her, Lourdes has been working perseveringly for ten years now.

A loan worth PHP 20,000 is deemed necessary for Lourdes to help her grow her business. She then applies for such, intending to use the money to purchase more quantities of in-demand food such as frozen food and smoked fish. She wants to do this so that she will not run out of stocks in case her customers order more than what they usually buy.

It is difficult for Lourdes to face the months of vacation, because then her sales drop low. But she strives to come up with strategies to make her business continue gaining profits even during vacation. She aspires for continuous improvement in her business and increasing growth in profits because her family depends on it for their daily needs.

As a CCT community partner, she 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
  • 1815
    View loans »
    Philippines Loans Fundraising
  • $60,851,250
    Funds lent in using Kiva
  • 43.4
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $475 helped Lourdes to purchase more quantities of dried fish and frozen food.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Mar 22, 2011
Apr 20, 2011
Currency Exchange Loss:
Aug 15, 2011