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Concepcion is a hard working entrepreneur from Cavite, Philippines. She is 47 years old, and has three children who are currently in school. Rodrigo, her husband, works as a driver. She oversees the operation of their Jeepney unit, and her income from the business is helping with their everyday needs and expenditures.

She has a one unit (14-16 person capacity) Jeepney, from which she is paid *boundary (daily quota) each day. Her regular customers are her neighbors and the local community. She earns a minimum of Php 1,500 every day.

Curiously, Jeepneys have purely American origins. They were first used by American soldiers helping the Philippines throw off the invading Japanese. Filipino ingenuity, however, managed to see this vehicle as an opportunity to earn, and modified the Jeep into a 20-seater Jeepney, open enough to provide adequate ventilation, sturdy for every day travel, and cheap enough to buy and maintain. Now, the Jeepneys are one of the things that makes the Philippines truly Philippine.

*In the boundary system, the driver pays the Jeepney owner a fixed amount (the “boundary”) for driving a passenger vehicle for 12 hours. It is as if the driver is renting the vehicle. What he earns from passenger fares above the “boundary,” minus what he paid for the gas and oil, is his take-home pay.

Cocepcion is requesting a PHP 10,000 loan assistance to buy spare parts and for the maintenance of her Jeepney unit. She will use the profit to improve the general living conditions of her family.

In the future, she wants another Jeepney unit to be used for their business operation. She hopes that her children will be able to complete their studies.

She meets up with her co-fellowship** members to share stories of her life and business every week and where she draws strength and inspiration from the fellowship and 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 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
  • 1812
    View loans »
    Philippines Loans Fundraising
  • $60,867,300
    Funds lent in using Kiva
  • 44.0
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $250 helped Concepcion to pay for the spare parts and maintenance of their Jeepney unit.
100% repaid
Repayment Term
5 months (Additional Information)
Repayment Schedule
Jun 5, 2014
Jun 23, 2014
Currency Exchange Loss:
Oct 17, 2014