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This is Richard, 35, a resident of Dasmariñas, Cavite, Philippines. He is married to Analyn, a housewife and the mother of his children. He and his wife manage their own household while operating this business. He is working hard to provide income for his everyday expenses.

Richard operates a mineral water station. He sells mineral water to his retail customers by the container (5 gallons per container) at a profit. His regular customers for his mineral water are his neighbors and the local community. He earns a minimum of 300 PHP in sales every day.

To help him continue operations of his business, he is requesting a 10,000 PHP loan. He will be using the loan to upgrade his facilities and buy more stocks of mineral water to expand capacity. He expects a boost in his business income as he expands his business.

Richard dreams of growing his business in the coming years. He faithfully meets with his co-fellowship members every week to share stories of his work and to draw strength and inspiration from the Word of God he 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 microfinance 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
  • 299
    View loans »
    Philippines Loans Fundraising
  • $50,698,750
    Funds lent in using Kiva
  • 41.2
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $250 helped Richard to upgrade his facilities and buy more mineral water for his business.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Oct 19, 2012
Oct 30, 2012
Currency Exchange Loss:
May 17, 2013