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This is Thelma, 54, a resident of Tondo, Manila, Philippines. She is married to Albino, a businessman, and is a mother to her eight children. She and her husband manage their household while operating the business. She is working hard to continually provide income for their everyday expenses.

Thelma operates a wholesaling store where she sells garlic, onions, ginger and mung beans. She has been in this business for thirteen years already. Her regular customers are her neighbors and the local community. She earns a minimum of PHP 4,000 in sales every day.

To help her continue operations of her business, she is requesting a PHP 50,000 loan. She will use the loan to buy large quantities of garlic, onions, ginger and mung beans needed in her business.
Thelma hopes that her business will grow even more and dreams of a bright future for her family. She meets up every week with her *co-fellowship members to share stories of her work.

* All CCT community partners / clients are organized into fellowship groups 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
  • 745
    View loans »
    Philippines Loans Fundraising
  • $63,312,675
    Funds lent in using Kiva
  • 41.4
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,225 helped Thelma to buy large quantities of garlic, onions, ginger and mung beans needed in her business.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Apr 25, 2013
May 26, 2013
Currency Exchange Loss:
Nov 17, 2013