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Update on Shierly

This is Shierly. She previously accessed an 18,000 PHP loan that she used to purchase farm inputs needed in her business. Her earnings were a big help for the education of her children and in their personal, household and business expenditures.

She would like to apply for another 15,000 PHP loan that she will use to buy fertilizers, seeds and other tools for maintenance of the farm. Her profits from her business will definitely help her to sustain their daily needs and to pay for the educational expenses of her children. She looks forward to this financial increase with gladness and thankfulness in her heart.

Shierly hopes to grow her business in the coming years and dreams of giving her children a good quality education. As a CCT community partner, she faithfully attends the group's weekly fellowship* meeting where she can draw strength and inspiration from the word of God she studies.. A fellowship group is composed of 15 to 30 community partners who gather each week to study the Word of God, build social capital, and repay micro-finance loans.

Previous Loan Details

This is Shierly, 41, a resident of Silang, Cavite, Philippines. She is married to Thomas, a farmer, and she is a mother to their four children. By the grace of God, Shierly has managed to support her children's schooling. She is working hard to continually provide income for their everyday expens... More from Shierly's previous loan »

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.

Concurrent and Successive Loans

Our Field Partners often work with borrowers over a series of loans as the borrowers build credit, take out bigger loans, and expand their businesses. In order to make it easier for our Field Partners to post loans for borrowers who have been listed on Kiva before, we allow them to post successive and concurrent loans for their Kiva borrowers. This means that our Field Partners are able to post a borrower's second, third, etc., loan on Kiva without having to re-enter all of the borrower's information.

This borrower has been listed on Kiva before, so you'll see an updated loan description, as well as excerpts of the original descriptions from earlier loans. Most borrowers take out loans consecutively, meaning that they receive a second loan after having repaid the first. However, sometimes our Field Partners give out concurrent loans, allowing borrowers to take out one primary loan and a secondary "add-on" loan along with it. These "add-on" loans are typically smaller than the borrower's primary loan and serve a different purpose. Because Field Partners can now post loans as successive and concurrent loans, you will be able to track borrower progress over time and see the various ways a borrower is working with our Field Partners through funds from Kiva’s lenders.

About Philippines

  • $7,000
    Average annual income
  • 1125
    View loans »
    Philippines Loans Fundraising
  • $63,497,150
    Funds lent in using Kiva
  • 41.5
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $375 helped Shierly to pay for gardening materials and supplies needed in her business.
100% repaid
Repayment Term
7 months (Additional Information)
Repayment Schedule
Aug 15, 2012
Sep 20, 2012
Currency Exchange Loss:
Feb 15, 2013
This photo was used before for a previous loan for Shierly. It was first posted on Kiva on Dec, 2011. Learn More