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This is Jermelyn, 33 years old and a resident of Bacoor, Cavite, in the Philippines. She is married to Ariel. Together with her husband, she manages their household while operating her business. She is working hard to continually provide income for their everyday expenses.

Jermelyn offers massage services. She offers whole-body massage and also does manicure and pedicure for her customers. Her regular customers are her neighbors and the local community. She earns a minimum of PHP 1,000 in sales every day.

To help her continue operations of her business, she is requesting a PHP 10,000 loan. She will use the loan to buy supplies like oil, sanitizers, alcohol, and other products needed in her business.

Jermelyn hopes to have more customers and dreams of having good health always. She meets up with her co-fellowship* members to share stories of their work every week. There 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 repay their 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
  • 1819
    View loans »
    Philippines Loans Fundraising
  • $60,851,250
    Funds lent in using Kiva
  • 44.1
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $250 helped Jermelyn to pay for supplies like oil, sanitizers, alcohol, and other products needed in her massage therapy business.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Aug 29, 2013
Sep 15, 2013
Currency Exchange Loss:
Jan 17, 2014