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This is Sandra, 39, a resident of Manila, Philippines. She is married to Giovani, a vendor, and is the mother of six children. She manages her family household together with her husband while operating the business. At this time, she is working hard to continually provide income for their everyday expenses.

Sandra is a dried fish dealer and vendor. She buys a certain kind of fish and then processes it and lets it dry until it is ready to be sold in the market. Her store is located in a temporary fish market. Her regular customers are her neighbors and the local community. She earns a minimum of PHP 1000 in sales every day.

To help her continue operation of her business, she is requesting a PHP 30,000 loan. She will use the loan to buy more fish needed in her business. She expects a boost in her business income as she expands her business.

Sandra hopes to increase her customers and dreams of being able to give her family a good future through all her hard work on her business. She faithfully meets up with her fellowship group members to share stories of her work every week and also to 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
  • 1940
    View loans »
    Philippines Loans Fundraising
  • $61,098,225
    Funds lent in using Kiva
  • 41.9
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $725 helped Sandra to pay for additional stocks of fish needed in her business.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Jun 14, 2012
Jul 12, 2012
Currency Exchange Loss:
Jan 15, 2013