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Ma. Luz
This is Ma. Luz, who is 48 years old and a resident of Payatas, Philippines. She is married to Rolando, a driver, and the mother of two children. Together with her husband, they manage their household while operating a business. At this time, she is working hard to continually provide income for her everyday expenses.

Ma. Luz operates an Internet café business. There is more need now than before for services like these, as customers’ demand increases. Her main patrons are students who require her services for school requirements. She also has people who need to rent computers for business purposes, like writing a resume or any office documentation, as well as people who just love to surf the net and check any social network. She earns a minimum of PHP 500 in profit every day.

To help her continue operations, she is requesting a PHP 20,000 loan. She will use the loan to buy additional computer parts and accessories needed in her business. She expects a boost in her business income as she expands her business.

Ma. Luz dreams of being able to give her children a good and high quality education through all her hard work on her business. She faithfully meets up with her co-fellowship members to share stories of their work every week.

* 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

More information about this loan

On Friday November 8, 2013, Super Typhoon Haiyan made its way through Southeast Asia, causing substantial damage to homes and businesses in areas of the Philippines. Given the state of devastation following this storm, borrowers living and working in these areas may have difficulty making repayments on their loans, thus making their Kiva loans higher risk. More 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

  • $1175
    Average annual income
  • 1171
    View loans »
    Philippines Loans Fundraising
  • $54,828,800
    Funds lent in using Kiva
  • 42.4
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $475 helped Ma. Luz to pay for additional computer parts and supplies needed in her business.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Aug 16, 2012
Listed
Sep 3, 2012
Currency Exchange Loss:
Possible
Ended:
Mar 15, 2013