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This is Cecilia, 50, resident of Silang, Cavite, Philippines. She is married to Ernesto, a farmer, and she is a mother to her children. She and her husband manage their own household while operating the business. At this time, she is working hard to continually provide income for their everyday expenses.

Cecilia operates an ornamental plant business. She grows garden plants that are native to the Philippines such as ylang-ylang, golden shower, dahlias, a variety of hanging plants, and others. Her regular customers are local tourists, neighbors, and the nearby community. She earns a minimum of PHP 300 in sales every day.

To help her continue the operations of her business, she is requesting a PHP 13,000 loan. She will be utilizing the loan to buy gardening materials and supplies such as seed and fertilizer needed in her business. She expects a boost in her income as she expands her business.

Cecilia hopes to expand her business. 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 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
  • 1801
    View loans »
    Philippines Loans Fundraising
  • $60,866,650
    Funds lent in using Kiva
  • 43.1
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $325 helped Cecilia to pay for gardening materials and supplies such as seed and fertilizer needed in her business.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
May 28, 2013
Jun 16, 2013
Currency Exchange Loss:
Dec 17, 2013