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This is Zenaida M. from Bagong Silang, Caloocan City. She is a mother to four children. All but one of her children study in different school levels. Her husband Stephen is a freelance videographer/photographer.

Zenaida manages a photo/video coverage studio. She negotiates with clients while her husband does the actual video/photo coverage. They cover different functions like weddings, birthdays, graduation ceremonies and other family oriented activities. Zenaida’s net monthly income from the studio is P10,000.00. She is happy that her profits can answer the technical needs of their business although she laments that some clients fail to redeem their photos from the studio and so are just stocked up in their archives, which translates to business losses.

Zenaida currently needs a loan of P30,000.00 to purchase some of their studio’s technical requirements like digital flash for the cameras and batteries. This will be her 14th loan cycle with the Center for Community Transformation (CCT) Credit Cooperative.

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
  • 456
    View loans »
    Philippines Loans Fundraising
  • $69,701,375
    Funds lent in using Kiva
  • 46.7
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $650 helped Zenaida to buy technical equipment for photography (digital flash, batteries,etc.).
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Oct 29, 2009
Nov 19, 2009
Currency Exchange Loss:
May 15, 2010