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This is Arnold, 35, a resident of Silang, Cavite, Philippines. He is married to Susana, a vendor, and they have three children. He and his wife manage their household, while operating the business. They both work hard to provide for their everyday needs. Arnold conducts a tricycle transportation business. He owns and drives one tricycle unit (motorcycle with sidecar), which will carry up to four passengers to their destination within the community. He works from early in the morning until late in the evening. There are times when he drives late until the wee hours of the morning in order to make a better profit. His regular customers are his neighbors and members of the local community. The family has a total of four tricycle units. The three tricycles are being used by other tricycle drivers, who then pay their daily quota. Arnold earns a minimum of PHP 1,200 per day from his transportation business. To help him continue operating the business, he is applying for an loan of PHP 8,000. He will use the loan to buy motorcycle parts for the maintenance of his four tricycle units. He has to maintain his units in good condition in order to have a regular income to cover the daily needs of his family. Arnold dreams of having more tricycles. He meets up with his co-fellowship* members to share stories of his work every week, where he can also draw strength and inspiration from the Word of God he 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.

Additional Information

More information about this loan

On Friday November 8, 2013, Super Typhoon Haiyan made its way through Southeast Asia, causing substantial damage to homes and businesses in areas of the Philippines. Given the state of devastation following this storm, borrowers living and working in these areas may have difficulty making repayments on their loans, thus making their Kiva loans higher risk. More 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

  • $1175
    Average annual income
  • 1146
    View loans »
    Philippines Loans Fundraising
  • $54,566,475
    Funds lent in using Kiva
  • 43.0
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $200 helped Arnold to pay for spare parts and for maintenance on the tricycle units (motorcycle and sidecar) units used in his transportation business.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
May 31, 2013
Jun 17, 2013
Currency Exchange Loss:
Oct 20, 2013