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This is Emily, 45, a resident of Silang, Cavite, Philippines. She is married to Francis, a driver, and is a mother to her four children. Together with her husband and children she manages their own business while sustaining their everyday expenses.

Emily operates a school jeepney service for students. What happens is that the parents of the students pay a monthly fee and then every day, the driver will pick up the students from their homes and bring them to school; the same thing once school ends. She earns a minimum of PHP 650 in sales every day.

To help her continue operations of her business, she is requesting a PHP 12,000 loan. She will be utilizing the loan to buy spare parts and carry out maintenance of their jeepney unit.

Emily hopes to have a bigger school service and dreams that her children will finish their studies. She meets up with her co-fellowship members to share stories of her work every week where she draws 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
  • 714
    View loans »
    Philippines Loans Fundraising
  • $63,241,750
    Funds lent in using Kiva
  • 43.4
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $300 helped Emily to pay for spare parts and maintenance of their jeepney unit.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Jun 18, 2013
Jun 30, 2013
Currency Exchange Loss:
Jan 17, 2014