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Elsa C., 46, is making sure that her family has enough provisions for their daily needs. She is married to Alex C., an assistant pastor who also does welding jobs during the weekdays. They are blessed with six children. She makes sure that she helps her husband earn so that their family can have a better life. She has been direct selling food supplements, clothing and cosmetics for quite some time now.

Elsa has been a regular member of Center for Community Transformation (CCT)* for more than a year now. She regularly attends their weekly fellowship meetings and pays her weekly dues consistently. Because of her good repayment performance with her previous loans, she was able to borrow quite a few times in CCT’s Cooperative. She is consistent in paying her dues because she uses the money she borrows to expand and improve her direct selling business.

To ensure the success of her business, she would like to apply for a 12,000 Philippine peso loan. This money will be used as a source of added capital for her expanding business to buy advance orders of food supplements, clothing and cosmetics from her direct selling line. She dreams that her business will continue to grow and be successful.

* 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 microfinance 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
  • 332
    View loans »
    Philippines Loans Fundraising
  • $70,673,000
    Funds lent in using Kiva
  • 44.4
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $275 helped Elsa to buy advance orders of food supplements, clothing and cosmetics from her direct selling line.
100% repaid
Repayment Term
5 months (Additional Information)
Repayment Schedule
Apr 12, 2010
May 1, 2010
Currency Exchange Loss:
Aug 15, 2010