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This is Lydia, 52, a resident of Payatas, Philippines. She is married to Ronaldo, her business partner, and a mother to her children. She keeps herself busy attending to her family and doing business to help her husband pay the family's daily expenses.

Lydia operates a pillow-making business. She cuts scrap materials from textiles, foams and fibers, puts them in a plain pillow case and covers it with a better looking pillow case of various cartoon designs. She makes different kinds and sizes of pillows. Prices range from 35-80 PHP per pillow. Her regular customers are her neighborhood and local community. She also has clients in the market who regularly order pillows from her. She earns a minimum of 300 PHP in sales every day.

To help her continue business operations, she is requesting a 16, 000 PHP loan. She will use the loan to buy foam, cotton, fabric, plastic, and other materials needed to make pillows. She expects a boost to her income as she expands her business. Her earnings will be a big help in paying the educational expenses of her children.

Lydia hopes her business will continue to grow and dreams of giving all her children a good and quality education. She wants a good life and health for her family. She faithfully attends the weekly fellowship* that allows her to listen to the word of God and have a better relationship not only with God but also with her family and community.

* All CCT community partners / clients are organized into fellowship groups that meet on a weekly basis. A fellowship groupis composed of 15 to 30 community partners. The fellowship groups gather each week to study the Word of God, build socialcapital, 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
  • 860
    View loans »
    Philippines Loans Fundraising
  • $63,374,250
    Funds lent in using Kiva
  • 40.8
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $400 helped Lydia to buy more foam, cotton, fabric, plastic, and other materials needed to make pillows.
100% repaid
Repayment Term
5 months (Additional Information)
Repayment Schedule
Dec 6, 2012
Jan 4, 2013
Currency Exchange Loss:
Apr 17, 2013