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Update on Sonia

This is Sonia. She previously accessed a 15,000 PHP loan that she used to purchase quantities of raw materials like fabric, thread and other materials needed in her business. Her earnings were a big help for the education of her children, and in their personal, household and business expenditures.

Sonia would like to apply for another loan, this time for 20,000 PHP, to buy additional supplies of tailoring materials like cloth, fabric, needles, thread and other materials needed in her business. Her profits from business will definitely help her to sustain her daily needs and her children’s education. She looks forward to this financial increase with gladness and thankfulness in her heart.

Sonia hopes that her business will continue to grow and dreams that her children will finish their studies. She meets up with her co-fellowship* members every week to share stories of her life and business and to find 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 repay microfinance loans.

Previous Loan Details

This is Sonia, 54, a resident of Batasan, Quezon City, Philippines. She is married to Alfredo. At this time, she is working hard to be able to cover her family’s financial needs. Sonia operates a dressmaking business. She mainly offers clothing like dresses, blouses, and shirts. She directly ... More from Sonia's previous loan »

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.

Concurrent and Successive Loans

Our Field Partners often work with borrowers over a series of loans as the borrowers build credit, take out bigger loans, and expand their businesses. In order to make it easier for our Field Partners to post loans for borrowers who have been listed on Kiva before, we allow them to post successive and concurrent loans for their Kiva borrowers. This means that our Field Partners are able to post a borrower's second, third, etc., loan on Kiva without having to re-enter all of the borrower's information.

This borrower has been listed on Kiva before, so you'll see an updated loan description, as well as excerpts of the original descriptions from earlier loans. Most borrowers take out loans consecutively, meaning that they receive a second loan after having repaid the first. However, sometimes our Field Partners give out concurrent loans, allowing borrowers to take out one primary loan and a secondary "add-on" loan along with it. These "add-on" loans are typically smaller than the borrower's primary loan and serve a different purpose. Because Field Partners can now post loans as successive and concurrent loans, you will be able to track borrower progress over time and see the various ways a borrower is working with our Field Partners through funds from Kiva’s lenders.

About Philippines

  • $7,000
    Average annual income
  • 1797
    View loans »
    Philippines Loans Fundraising
  • $60,886,450
    Funds lent in using Kiva
  • 41.1
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $500 helped Sonia to pay for tailoring materials like different types of fabric, needles, thread and other materials needed in her business.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Mar 27, 2013
Apr 28, 2013
Currency Exchange Loss:
Oct 20, 2013
This photo was used before for a previous loan for Sonia. It was first posted on Kiva on May, 2012. Learn More