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Erlinda H. lives and does business in Baseco Compound, Port Area, Manila. She is 55 years old. Her husband Benjamin, 59, works on a school maintenance crew. One of their six children is now in college.

Erlinda has been selling rice cakes and homemade peanut butter for five years. Then she opened a general store almost two years ago. Combined, she earns more than P18,000.00 a month. She has hired one store assistant.

She became a member of the Center for Community Transformation (CCT) Credit Cooperative in the summer of 2007. She recently applied for a P18, 000.00 loan with CCT as additional capital for her business.

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
  • 415
    View loans »
    Philippines Loans Fundraising
  • $65,913,675
    Funds lent in using Kiva
  • 47.1
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $400 helped Erlinda as additional capital.
100% repaid
Repayment Term
5 months (Additional Information)
Repayment Schedule
Oct 13, 2009
Oct 27, 2009
Currency Exchange Loss:
Feb 15, 2010