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Ma. Conchita
This is Ma. Conchita, 58, resident of Malibay, Pasay, Philippines. She is married to Danilo and has children. She, together with her husband, manages their household while operating the business. At this time, she is working hard to continually provide income for their everyday expenses.

Ma. Conchita operates a buy and sell business. She buys different jewelry such as earrings, pendants and necklaces. She sells them for a reasonable price. Payment can be cash or by instalment. She earns a minimum of Php3000 in sales every week.

To help her continue the operation of her business, she is requesting a Php10,000 loan. She will be utilizing the loan to buy greater quantities and varieties of jewelry.

Ma. Conchita hopes that her business will expand. She meets up with her co-fellowship members to share stories of her work every week. She can also draw strength and inspiration from the Word of God she studies there.

* 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
  • 1584
    View loans »
    Philippines Loans Fundraising
  • $60,711,600
    Funds lent in using Kiva
  • 41.2
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $250 helped Ma. Conchita to pay for greater quantities and varieties of jewelry needed in her business.
100% repaid
Repayment Term
5 months (Additional Information)
Repayment Schedule
May 2, 2013
May 22, 2013
Currency Exchange Loss:
Sep 17, 2013