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This is Melinda, 52, a resident of Batasan, Philippines. She is married to Elmer, a pastor, and is a mother to her children. She and her husband manage their household as they go hand-in-hand in generating income for their family. Melinda has a big heart for the kids.

Melinda co-owns a school that offers education from preschool up until high school. The students who enroll in the school are mostly from the community and from the nearby communities. She earns from the co-owners' sharing of capital gains. Her monthly income is 80,000 PHP (Philippines pesos).

To help her continue operation of the business, she is requesting a 40,000 PHP loan. She will be utilizing the loan to pay the salaries of the employees and teachers and to pay for the maintenance of the school. The loan will also be used in paying for the bills, like electric, water, permits and other bills. She expects that the school will attract more students.

Melinda hopes that there will be more children who will have an education, and she dreams of having her own house and lot. She faithfully meets up with her co-fellowship* members to share stories of her life and business every week and draw strength and inspiration from the fellowship and the Word of God she studies.

*All CCT partners/clients are organized into fellowship groups that meet on a weekly basis. A fellowship group is composed of 15 to 30 partners. The fellowship groups gather each week to study the Word of God, build social capital and repay microfinance 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
  • 1074
    View loans »
    Philippines Loans Fundraising
  • $63,436,400
    Funds lent in using Kiva
  • 40.9
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,000 helped Melinda to pay the salaries of the employees and teachers and to pay for the maintenance of the school.
100% repaid
Repayment Term
7 months (Additional Information)
Repayment Schedule
Dec 21, 2012
Jan 8, 2013
Currency Exchange Loss:
Jun 17, 2013