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Celeste P. is a 42-year-old businesswoman living in Bagong Silang, Caloocan City. She lives with her husband Renante, 34, a company driver, and their two children, who are both in grade school.

Celeste has been a fish and hog meat vendor for 20 years now. She has a stall in the nearby public market. She makes P10,000 a month income from her business.

Celeste came from a poor family, but she believes that there is always a way to get out of it. In the later part of 2006, she joined the Center for Community Transformation (CCT) Credit Cooperative. She has carefully invested the proceeds of her previous loans in her business. It went well, and brought her enough income to augment her family’s daily needs, including her children’s education.

Now on her 12th loan cycle, she is requesting for a loan of P37,000. She will use the funds as additional capital for her fish and hog meat stand. Celeste is optimistic that she can bring her family out of poverty because of the progress of her business.

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
  • 397
    View loans »
    Philippines Loans Fundraising
  • $70,831,400
    Funds lent in using Kiva
  • 47.8
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $775 helped Celeste to buy more fish and hog meat to sell at the market.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Jul 23, 2009
Aug 6, 2009
Currency Exchange Loss:
Feb 15, 2010