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Ma. Dolores
Ma. Dolores E., 42, takes care of her family's daily needs. Her husband, Ramil, is a seaman they and they have three children. She has managed a dental clinic for the last fifteen years.

Dolores has been a regular member of the Center for Community Transformation* (CCT) for more than a year, regularly attends their weekly fellowship meetings, and pays her weekly dues consistently. Because of her good repayment performance with her previous loans, she has been able to borrow quite a few times in CCT’s Cooperative. She used the money she borrowed to expand and improve her clinic. Now, with your help, she would like to apply for a PHP 15,000 loan. This amount will be used to buy equipment and expand her dental clinic. She dreams that her business will continue to grow so that she can provide for her children’s education. She also dreams that her husband may soon find work.

* 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
  • 428
    View loans »
    Philippines Loans Fundraising
  • $70,831,400
    Funds lent in using Kiva
  • 46.1
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $350 helped Ma. Dolores buying equipment and expanding her dental clinic.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Feb 17, 2010
Mar 3, 2010
Currency Exchange Loss:
Aug 15, 2010