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This is Emelita, 47 years-old, and a resident of Silang, Cavite, Philippines. She is married to Luisito, a government employee, and is mother to her children. She, together with her husband, manages their own household while operating the business. At this time, she is working hard to continually provide income for their everyday expenses.

Emelita operates a vegetable growing farm. She grows vegetables and other fruits in their farm located in Cavite. The farm is in the highlands where it is suitable to grow vegetables and other fruits. She sells her products to markets and fruit stores that she regularly supplies and to the local community. She earns a minimum of Php 1,000 in sales every week.

To help her continue the operations of her business, she is requesting a Php 30,000 loan. She will be utilizing the loan in order to buy fertilizer and farm inputs for her business. Part of the loan will go to the maintenance of her farm. She expects a boost in her business income as she expands her business.

Emelita dreams to be able to give her all her family a good future and dreams to give her children a good and quality education through all her hard work in her business. She faithfully meets up with her co-fellowship members to share stories of her work every week and where she can also draw 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 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
  • 864
    View loans »
    Philippines Loans Fundraising
  • $63,390,150
    Funds lent in using Kiva
  • 40.9
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $750 helped Emelita to pay for fertilizer and farm inputs for her business.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Nov 27, 2012
Dec 4, 2012
Currency Exchange Loss:
Jun 17, 2013