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This is Fhevie, 45, a resident of Quezon City in the Philippines. She is married to Willie, a driver, and is the mother of two children, both in elementary school. She enjoys attending to both her children and her business. The business allows her to help her husband cover their daily expenses.

Fhevie operates a junk shop. Trash is not actively segregated in the Philippines, and while waiting for their local dump trucks, people scavenge garbage dumps and trash bags for recyclable materials like metal, copper, plastic, paper, and other materials. They sell these to junk shops like Fhevie’s for a little profit. Junk shops then stack, clean, and gather huge quantities of these materials and sell them back to foundries, like factories and others of the like. Her regular customers are her neighbors and the local community. She earns a minimum of 300 Philippine pesos (PHP) in sales every day.

To help her continue operation of her business, she is requesting a 16,000 PHP loan. She will be incorporating the loan into her current revolving fund used to buy trash from collectors. She expects a boost in her business income as she expands her business.

Fhevie dreams of being able to give her children a good, high-quality education through all her hard work on her business. She never fails to attend the weekly fellowship* meetings that allow her to devote a few minutes of her time to studying and sharing God’s word. She values what is being shared and discussed in their weekly fellowship meetings.

* 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
  • 804
    View loans »
    Philippines Loans Fundraising
  • $63,345,600
    Funds lent in using Kiva
  • 43.4
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $375 helped Fhevie to pay for scrap materials she needs in her business.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Sep 28, 2011
Oct 27, 2011
Currency Exchange Loss:
Apr 15, 2012