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This is Celia, 43, a resident of Bacoor, Cavite, Philippines. She is married to Elmer, and a mother to her children. Together with her husband, she manages their household while operating her business. At this time, she is working hard to provide income for her everyday expenses.

Celia offers home service for hair rebonding. She doesn’t have her own salon, so her customers contact her for hair rebonding treatment. Her regular customers are her neighbors and the local community. She earns a minimum of 25,000 PHP in sales monthly.

To help her continue business operations, she is requesting an 18,000 PHP loan. She will use the loan to buy products like hair color, blower, rebonding cream, cellophane and hair treatment products. She expects a boost in her business income as she expands her business.

Celia dreams to be able to give her children a good and quality education. 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 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
  • 706
    View loans »
    Philippines Loans Fundraising
  • $63,241,750
    Funds lent in using Kiva
  • 40.9
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $450 helped Celia to buy hair color, blower, rebonding cream, cellophane, and hair treatment products for her business.
100% repaid
Repayment Term
5 months (Additional Information)
Repayment Schedule
Nov 13, 2012
Dec 7, 2012
Currency Exchange Loss:
Mar 15, 2013