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This is Melinda, 48, a resident of Pasay City, Philippines. She is married to Rogelio, a mechanic, and is mother to their children. She has managed to support her children's schooling. She is working hard to continually provide income for their everyday expenses.

Melinda oversees operations of their jeepney transportation business (see footnote). They have one jeepney with a 14- to 16-person capacity. Melinda and her husband also manage their motor repair shop. Her regular customers are her neighbors and the local community. She earns a minimum of PHP 2,500 every day.

To help her continue operations of her business, she is requesting a PHP 25,000 loan. She will be using the loan to buy new accessories and parts for their jeepney and also to buy some equipment for their repair shop. She expects a boost in her business income as she expands her business.

Melinda dreams to be able to buy another jeepney. She also dreams that her children will finish their education. She faithfully meets up with her co-fellowship members to share stories of her work every week and where she can also draw strength and inspiration from the word of God she studies.

* Curiously, Jeepneys have purely American origins. They were first used by American soldiers helping the Philippines throw off the invading Japanese. Filipino ingenuity, however, managed to see this vehicle as an opportunity to earn, and modified the Jeep into a 20-seater jeepney, open enough to provide adequate ventilation, sturdy for every day travel, and cheap enough to buy and maintain. Now, the jeepneys are one of the things that makes the Philippines truly Philippines.

* 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
  • 795
    View loans »
    Philippines Loans Fundraising
  • $63,345,600
    Funds lent in using Kiva
  • 43.6
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $575 helped Melinda to pay for accessories and spare parts for their jeepney and equipment for their repair shop.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Nov 24, 2011
Dec 14, 2011
Currency Exchange Loss:
Jun 15, 2012