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Elisa is 35 years old and lives in Taguig, the Philippines. Her husband is a vendor, and they have three children. She earns a living by buying and selling clothing, and gets her inventory from wholesalers and sells it on a retail basis to both men and women. Her customers like her low prices and wide inventory. Most of the people who buy her clothing are her neighbors, and she earns a minimum of PHP 300 in sales every day.

To continue operating her business, she is requesting a loan for PHP 50,000. She will use the loan to buy more items to sell to her customers and to expand her inventory. By boosting her business, she expects this loan to increase her income. In coming years, she hopes to expand her business and draw her family closer to God. She faithfully meets up with her co-fellowship* members to share stories of her work every week and draw strength and inspiration from her religion.

*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 people who gather weekly to study religion, 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
  • 1910
    View loans »
    Philippines Loans Fundraising
  • $61,096,775
    Funds lent in using Kiva
  • 41.6
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,225 helped Elisa to buy more clothing to sell to her customers.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Sep 7, 2012
Sep 17, 2012
Currency Exchange Loss:
Apr 17, 2013