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This is Ludivina, 51, resident of Silang, Cavite, Philippines. She is single and she is happily managing her own business while also helping her family financially. She works hard to provide for her needs and not to become a burden to anyone.

Ludivina operates a food stall. In the Philippines, the whole working community and most of the families only eat home-cooked meals during evenings where all of the family members are at home to take part in the meal. This is not only a usual family tradition but a matter of convenience and frugal living. It is considered a waste of money and time to spend cooking gas and food for one to two persons when buying cooked rice and viands cost less than raw food. Her regular customers are her neighbors and the local community. She earns a minimum of PHP 500 in sales every day.

To help her continue operations of her business, she is requesting a PHP 15,000 loan. She will be utilizing the loan to buy more quantities of products like meats, rice, vegetables, condiments and seasonings, and frozen food products.

Ludivina hopes to have her own restaurant and dreams of having better living conditions. She meets up with her co-fellowship members to share stories of her work every week 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 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
  • 982
    View loans »
    Philippines Loans Fundraising
  • $63,408,725
    Funds lent in using Kiva
  • 43.7
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $350 helped Ludivina to pay for raw ingredients like rice, pork, chicken and vegetables and products needed in her business.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Aug 12, 2014
Aug 25, 2014
Currency Exchange Loss:
Mar 17, 2015