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Florence is 50 and lives in Malibay, Pasay City, Philippines. She operates a food stall. Her regular customers are her neighbours and the local community. In the Philippines, the whole working community and most families only eat home-cooked meals in the evenings when all of the family members are at home to eat. This is not only a case of tradition but a matter of convenience and frugal living. It is considered a waste of money and time to use cooking gas and food for just one or two people when buying cooked dishes costs less than raw food.

Florence has decided to remain single and she manages her own house while operating her business. At this time, she is working hard to continually provide income for her everyday expenses. She earns a minimum of 500 Philippine pesos (PHP) in sales every day.

To help her continue running her business, Florence is requesting a 25,000 PHP loan. She will be using the loan to buy more raw ingredients like meats, rice, vegetables, condiments and seasonings. She expects a boost in her business income as she expands her business.

Florence dreams of helping her loved ones and other people. She hopes to be stronger in facing challenges in life. She meets up with her co-fellowship members to share stories of her work every week and where she can also draw strength and inspiration from the word of God she studies.

* All CCT community partners / clients are organised 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 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
  • 709
    View loans »
    Philippines Loans Fundraising
  • $63,241,750
    Funds lent in using Kiva
  • 40.7
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $625 helped Florence to pay for raw ingredients like rice, pork, chicken and vegetables, and other products needed in her business.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Feb 25, 2013
Mar 9, 2013
Currency Exchange Loss:
Sep 17, 2013