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Susana is a 40-year-old mother and resident of Taguig, Philippines. She is married to Joemer, an engineer. She and her husband manage their household while operating a business. At this time, she is working hard to provide income for their everyday expenses.

Susana operates a junk shop. Trash is not actively segregated in the Philippines. While waiting for their local dump trucks, people scavenge garbage dumps and trash bags for recyclable materials like metal, copper, plastic, paper, and other materials. They sell these to junk shops for a small profit. Junk shops then stack, clean, and gather large quantities of these materials and sell them back to foundries such as factories. Her regular customers are her neighbors and the local community. She earns a minimum of 1000 PHP in sales every day.

To help her continue the operation of her business, she is requesting a loan in the amount of 50,000 PHP. She will be incorporating this loan with her existing revolving fund that is used to buy recyclable materials from collectors. She expects a boost in her business income as she expands her business and she dreams of becoming a successful businesswoman. She faithfully meets with her co-fellowship members every week to share stories of her life and business. She also draws strength and inspiration from their fellowship and 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, to build social capital, to and pay 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
  • 691
    View loans »
    Philippines Loans Fundraising
  • $63,147,100
    Funds lent in using Kiva
  • 40.6
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,250 helped Susana to buy recyclable materials for resale.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Dec 20, 2012
Jan 13, 2013
Currency Exchange Loss:
Jul 17, 2013