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This is Elsa, 39, a resident of Manila, Philippines. She is married to Candelario and mother to her children. Together with her husband, she manages their household while operating a business. At this time, she is working hard to continually provide income for her everyday expenses.

Elsa is a mineral water distributor. She buys mineral water in containers from wholesalers and then sells the containers (5 gallons per container) at a profit. Her regular customers for her mineral water are her neighbors and the local community. She has a minimum of 500 PHP in sales every day.

To help her continue business operations, she is requesting a 20,000 PHP loan. She will be utilizing the loan to buy more stocks of mineral water to expand her product inventory. She expects a boost in her income as she expands her business.

Elsa dreams of being able to give her all her children a high-quality education and hopes to have her own vehicle through all her hard work with her business. She also hopes to have a growing network of customers. She faithfully meets up with her co-fellowship members to share stories of her work every week and draw strength and inspiration from the Word of God that they study.

* 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

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
  • 1113
    View loans »
    Philippines Loans Fundraising
  • $63,502,950
    Funds lent in using Kiva
  • 41.3
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $500 helped Elsa to pay for more stocks of mineral water to expand her product inventory.
100% repaid
Repayment Term
7 months (Additional Information)
Repayment Schedule
Oct 10, 2012
Oct 31, 2012
Currency Exchange Loss:
Apr 17, 2013