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Bizard E., 35, is married to Marlyn E. and together they are blessed with two children. The elder is studying in high school and the younger is in elementary school. The family lives in Dasmariñas, Cavite, a province just south of Manila.

Bizard E. is a sewer and does furniture upholstery. He has been a sewer for 17 years.

A member of Center for Community Transformation* for more than a year, he has already received six loans from CCT because of good attendance in their weekly fellowship meetings and his regular payment of dues. With the added capital that he received from CCT, his business grew and now he earns 12500 PHP net profit per month.

Because he sees that his business is flourishing, he now wants to further expand his business by applying for a 16000 PHP loan so that he can use it as added capital to buy more raw materials for making more furniture.

He prays that God will continually bless his business so that someday he can have his own upholstery shop full of clients and earn enough money for his kids to finish their studies until they graduate in college.

* All CCT community partners / clients are organized into fellowship groups that meet on a weekly basis. A fellowship group is composed of 15 to 30 community partners. The fellowship groups gather each week to study the Word of God, build social capital, and pay Micro Finance loans

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
  • 353
    View loans »
    Philippines Loans Fundraising
  • $70,673,000
    Funds lent in using Kiva
  • 46.5
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $350 helped Bizard to purchase leather and other material for making furniture.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Nov 26, 2009
Dec 4, 2009
Currency Exchange Loss:
Jun 15, 2010