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This is Shierly, 41, a resident of Silang, Cavite, Philippines. She is married to Thomas, a farmer, and she is a mother to their four children. By the grace of God, Shierly has managed to support her children's schooling. She is working hard to continually provide income for their everyday expenses

Shierly makes a living by selling ornamental plants. She plants different kinds of ornamental plants in her garden. In the Philippines, Filipinos love to arrange different plants for the beautification of their homes and backyard. Her regular customers are local tourists, neighbours and the nearby community. She’s been ten years in this business. She earns a minimum of Php335 in sales every day.

To help her continue operating her business, she is applying for a loan of Php 18,000. She will be using the money to buy things needed for planting such as fertilizer, pots, seedlings, wires and plastic. She expects a boost in her income as she expands her business. And she hopes to send all her children all the way to college.

Shierly hopes to grow her business in the coming years. As a CCT community partner, she faithfully attends the group's weekly fellowship* meeting where she can 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 who gather each week to study the Word of God, build social capital, and repay 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
  • 1641
    View loans »
    Philippines Loans Fundraising
  • $60,717,100
    Funds lent in using Kiva
  • 43.4
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $425 helped Shierly to pay for gardening materials and supplies needed in her business.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Nov 16, 2011
Dec 12, 2011
Currency Exchange Loss:
Jun 15, 2012