A loan of $1,025 helped a member capital for the opening of another outlet.


Elma's Group's story

Elma J. and her family lives in Tumana, Marikina City, on the eastern side of Metro Manila. She is 43 years old. Her husband Gil works as a company driver. They have two children, both of school age.

Elma owns and manages a bakery and a grocery store. She opened her first outlet seven years ago with only one assistant working at the oven. Now, her bakery employs ten bakers who rotate as store attendants as well. She earns at least $3000 a month from the combined operations of the bakery and the grocery store.

She has just finished repaying her previous loan with Kiva's field partner, the Center for Community Transformation (CCT) Credit Cooperative, so she applied for a new loan in the amount of P50,000 to cover the costs for the opening of her second bakery outlet. This is her fourth loan with the cooperative.

Elma believes that education would be the best gift she could give her children, so she and her husband are working hard hand-in-hand to provide the best education for their children.

About CCT

The Center for Community Transformation (CCT) is an organized Christian response against poverty and social injustice. This is carried out through the fusion of social development initiatives and evangelical mission in a uniquely Filipino context. It serves urban and rural poor communities throughout the Philippines, in pursuit of its desire to see changed lives, strong families, and transformed communities centered in the Lordship of Jesus Christ.

CCT is a member of the Five Talents family.

In this group: Elma
*not pictured



Loan details


Lenders and lending teams



Loan details