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This is Lilibeth, 40, a resident of Payatas, Philippines. She is married to Rufo, her business partner, and is a mother. She, together with her husband, manage their household while operating a business. At this time, she is working hard to continually provide income for their everyday expenses.

Lilibeth operates a buy and sell business. She buys general merchandise from wholesalers, then sells them with a little profit. Products can range from furniture to household appliances and other such products. Customers are attracted to buy due to the low selling prices, and the many options they are offered. Her regular customers are her neighbors and the local community. She earns a minimum of PHP2,000 in sales weekly.

To help her continue operations of her business, she is requesting a loan of PHP36,000. She will use the loan to buy additional quantities and varieties of products like washing machines, thermos, rice cookers, and water dispensors to expand her product inventory. She expects a boost in her business income as she expands her business.

Lilibeth dreams of having a stall in the market, and hopes 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 she draws 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
  • 1810
    View loans »
    Philippines Loans Fundraising
  • $60,919,225
    Funds lent in using Kiva
  • 40.6
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $900 helped Lilibeth to buy additional quantities and varieties of products such as washing machines, thermos, rice cookers, and water dispensors to expand her product inventory.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Jan 17, 2013
Jan 24, 2013
Currency Exchange Loss:
Aug 17, 2013