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Zenaida H., 33, has a food market stall in Silang, Cavite, where she also lives with her husband, Eduardo, 35, a driver, and their two children who are in grade school.

She has been selling fruits, vegetables, fresh meat and fish for two years. Because electronic load credit for mobile phones is in demand, she also tried it and proved it to be a worthwhile additional source of income. Zenaida now earns a net income of PHP 16,000 per month. From her profits, she was able to purchase a motorcycle.

She is now on her seventh loan cycle with the Center for Community Transformation (CCT) Credit Cooperative. She joined the cooperative in 2007. Zenaida has applied for a new loan in the amount of PHP 19,000 as additional capital for her food market business.

Zenaida desires to have her own public market someday.

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.

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
  • 424
    View loans »
    Philippines Loans Fundraising
  • $70,831,400
    Funds lent in using Kiva
  • 46.9
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $425 helped Zenaida additional capital for her food market business.
100% repaid
Repayment Term
7 months (Additional Information)
Repayment Schedule
Oct 2, 2009
Oct 19, 2009
Currency Exchange Loss:
Apr 15, 2010