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This is Concesa, 57, a resident of Dasmariñas, Cavite, Philippines. She is married to Lapito, who is a father to her children. By the grace of God and with the help of her supportive husband, she can provide the needs of her children. She is able to do so by means of small business enterprises that she ventures into.

Concesa’s business is an arcade shop. In the Philippines - especially in urban poor communities - not all families can afford to buy personal computers, portable play stations, or equipment for video games. Children only enjoy this kind of amusement by renting at computer arcades and they pay per hour of usage. She also has a variety store. She has several arcade units and she earns 500 PHP per day.

To help her continue running her business, she is requesting a 35,000 PHP loan. She will be utilizing the loan to pay for spare parts and the maintenance of her arcade. She expects a boost in her business income as she expands her business.

Concesa hopes to be able to grow her business in the coming years and dreams of giving her children a good and quality education. She faithfully meets up with her co-fellowship* members to share stories of her work every week, where she also draws strength and inspiration from the Word of God she 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 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
  • 1040
    View loans »
    Philippines Loans Fundraising
  • $63,517,800
    Funds lent in using Kiva
  • 41.2
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $850 helped Concesa to pay for spare parts and the maintenance of her arcade.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Oct 23, 2012
Nov 5, 2012
Currency Exchange Loss:
May 17, 2013