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This is Fredelito, 42, a resident of Manila in the Philippines. He is married to Evangeline, a businesswoman, and is the father of four children, of whom three are in elementary school and one is in high school. By the grace of God, Fredelito has managed to support his children's schooling. At this time, he is working hard to send them to college. This is a dream for most poor Filipino parents like Fredelito, as he himself has been a college graduate, and he believes that a college diploma is the best inheritance parents could leave to their children.

Fredelito operates a buy and sell business, specifically, diapers. What he basically does is buy general merchandise from wholesalers and sell it piecemeal to make a little profit. Products can range from furniture to household appliances, electronic devices, clothing, and other products of the like, but as mentioned earlier, he focuses on selling diapers. Customers are attracted to buy due to the low selling prices and the many options offered. His regular customers are his neighbors and the local community. He earns a minimum of 200 Philippine pesos in sales every day.

To help him continue operating his business, he is requesting a loan of 50,000 pesos. He will be utilizing the loan to buy more quantity and variety of products to expand his inventory. He expects a boost in his business income as he expands his business.

Fredelito dreams of being able to give his children a good and high-quality education through all his hard work on his business. He is hoping to be able to expand soon and to increase the number of his loyal customers. He faithfully meets up with his co-fellowship members to share stories of his work every week. At these meetings, he can also draw strength and inspiration from the Word of God he studies.

* All CCT community partners and 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 repay 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
  • 1811
    View loans »
    Philippines Loans Fundraising
  • $60,866,650
    Funds lent in using Kiva
  • 41.8
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,200 helped Fredelito to pay for additional stock of supplies and products needed in his business.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Jun 14, 2012
Jul 7, 2012
Currency Exchange Loss:
Jan 15, 2013