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This is Ruth, 25, a resident of GMA, Cavite, Philippines. She is married to Jonjie, a sales agent, and is a mother. She, together with her husband, manages their household while operating the business. At this time, she is working hard to continually provide income for her everyday expenses.

Ruth operates a piggery. She earns by selling live hogs to meat dealers. Sometimes they have the pigs slaughtered and sold in the market. Aside from this, she also cooks breakfast meals for additional income. Her regular customers are her neighbors and the local community. She earns a minimum of Php 1,200 in sales every week.

To help her continue operations of her business, she is requesting a Php 15, 000 loan. She will be utilizing the loan to buy feed and additional hogs. She expects a boost in her business income as she expands her business.

Ruth hopes to give her children a good life and a good education by the grace of God. 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 that 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 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
  • 1827
    View loans »
    Philippines Loans Fundraising
  • $60,851,250
    Funds lent in using Kiva
  • 41.2
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $375 helped Ruth to pay for feed and additional hogs needed for her business.
100% repaid
Repayment Term
5 months (Additional Information)
Repayment Schedule
Nov 13, 2012
Nov 21, 2012
Currency Exchange Loss:
Mar 15, 2013