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Consuelo, aged 58, is a resident of Tondo, Manila, Philippines. She is married to Alfredo and is a mother to their children. She manages her household while operating her business. At this time, she is working hard to continually provide income for their everyday expenses.

Consuelo operates a buy-and-sell business. What she basically does is buy general merchandise from wholesalers, selling the items for a small profit. Her products are men's and women’s clothes and other similar items. Customers are attracted to buy due to the low selling prices and the many options that she offers. Her regular customers are her neighbors and the local community. She earns a minimum of 300 Philippine Pesos (PHP) in sales every day.

To help her continue operating her business, she is requesting a loan of 23,000 PHP. She will be utilizing the loan to buy ready-to-wear (RTW) products and items such as pants, shirts, dresses, undergarments, etc. to expand her product inventory. She expects a boost in her income as she expands her business.

Consuelo hopes to be able to expand her business and dreams of having a good life. She faithfully meets up with her co-fellowship* members to share stories of her work every week and she also draws strength and inspiration from the Word of God that she studies there.

* 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 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
  • 841
    View loans »
    Philippines Loans Fundraising
  • $63,371,875
    Funds lent in using Kiva
  • 41.3
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $575 helped Consuelo to buy merchandise such as pants, dresses, shirts, undergarments, etc. to sell in her business.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Nov 15, 2012
Nov 25, 2012
Currency Exchange Loss:
Jun 17, 2013