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Ma. Melissa
Ma. Melissa is a business minded person from GMA, Cavite, Philippines. She is 35 and she is happily married to Marlon. They have two children who are not yet in school. She, together with her husband, manages their household while operating the business.

Ma. Melissa has a water vending machine. For only Php1.00, customers can have a glass of cold water. She also has a variety store, a coconut shake stall, a general merchandise and sells beauty products. Her regular customers are her neighbors and the local community. She earns a minimum of Php42,000 in sales every week.

She is requesting a Php50,000 loan to help her continue in the operation of her business. She will use the loan to buy products and supplies needed in her water vending machine, variety store, coconut shake stall, general merchandise and beauty products businesses.

Ma. Melissa hopes that she will have more branches of her businesses and dreams that her children will finish their studies. She meets up with her co-fellowship* members to share stories of her life and business every week and she can also draw strength and inspiration from the fellowship and 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 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
  • 1005
    View loans »
    Philippines Loans Fundraising
  • $63,411,650
    Funds lent in using Kiva
  • 41.2
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,225 helped Ma. Melissa to pay all the products needed in her water vending machine, variety store, coconut shake and beauty products.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Apr 29, 2013
May 21, 2013
Currency Exchange Loss:
Nov 17, 2013