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This is Ana, 39, resident of Silang, Cavite, Philippines. She is married to Arnulfo, a driver, and a mother to her children. She, together with her husband, manages their household while also operating the business. At this time, she is working hard to continually provide income for their everyday expenses.

Ana oversees operations of their jeepney (see footnote) transportation business. She has a one-unit (14-16 person capacity) jeepney, for which she is paying boundary (daily quota) each day. Her regular customers are her neighbors and the local community. She earns a minimum of PHP 1,000 every day. To help her continue the operations of her business, she is requesting a PHP 15,000 loan. She will be utilizing the loan to buy spare parts, as well as for the maintenance of her jeepney unit. She expects a boost in her business income as she expands her business.

Ana dreams to have her own house and lot and hopes to give her children a good quality education. She faithfully meets up with her co-fellowship members to share stories of her work every week, and it is where she can also draw strength and inspiration from the Word of God she studies.

Footnote: Curiously, jeepneys have purely American origins. They were first used by American soldiers helping the Philippines throw off the invading Japanese. Filipino ingenuity, however, managed to see this vehicle as an opportunity to earn and modified the jeep into a 20-seater jeepney, which is open enough to provide adequate ventilation, sturdy enough for every day travel, and cheap enough to buy and maintain. Now, the jeepneys are one of the things that makes the Philippines truly the Philippines.

*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
  • 738
    View loans »
    Philippines Loans Fundraising
  • $63,295,350
    Funds lent in using Kiva
  • 41.7
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $375 helped Ana to pay for spare parts and maintenance of her jeepney.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Sep 24, 2012
Oct 9, 2012
Currency Exchange Loss:
Apr 17, 2013