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This is Elena, a 47-year-old resident of Pasay City, Philippines, who is married to Alfredo, a mechanic, and mother to her children. She, with the assistance of her family, manages their household while operating the business. At this time, she is working hard to continually provide income for their everyday expenses.

Elena is a mineral water distributor, purchasing mineral water in containers from wholesalers, and then selling them per container (5 gallons per container) for a profit. She earns additional income by selling personal products such as Avon, Natasha and other direct-sales products. Her regular customers are her neighbors and the local community, and she earns a minimum of Php300 in sales every day.

To help her continue operations of her business, she is requesting a Php12,000 loan to bU. more stocks of mineral water and other personal merchandise to expand her product inventory. She expects a boost in her business income as she expands her business.

Elena dreams of being able to give her children a good and high-quality education through all of her hard work. She also hopes to have a growing network of customers. She faithfully meets up with her co-fellowship members to share stories of her work every week and draw strength and inspiration from the Word of God she studies.

* 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 Micro Finance 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
  • 1901
    View loans »
    Philippines Loans Fundraising
  • $60,984,950
    Funds lent in using Kiva
  • 43.0
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $300 helped Elena to buy additional stocks of mineral water and other products needed in her business.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Oct 20, 2011
Nov 13, 2011
Currency Exchange Loss:
May 15, 2012