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Ma Luisa
As the saying goes, opportunity knocks only once. Ma. Luisa L., or "Isay" as she is known to her friends, knows this truth and grabs every opportunity that comes her way. Ma. Luisa, 49, reached high school and is married to Bernardino, a civilian guard. Together they are raising five children, of whom two are in high school, two are in college, and the other one already working. Together, they live in GMA, Cavite, Philippines.

Ma. Luisa presently runs a sari-sari (variety) store, in which she sells items that are needed daily by neighbors in her community. Products on her shelves range from soap bars to candies and energy drinks to rice. Also, she has an alkaline water making machine with which she adds to the income of the family. Having been at least ten years in business, she knows how to pay her dues on time. She also has an excellent reputation with her fellow community partners in CCT* and, most importantly, her customers. Monthly she is able to earn an average of Php 10,000.

To help her continue operation of her business, she is requesting a Php 50,000 loan. She intends to use this money to purchase more products for her store, all the more now that the Christmas season is fast approaching. She also plans to charge up her alkaline water business so that it will also become profitable. Ma. Luisa plans to take this opportunity to drive her businesses toward more profitability.

Ma. Luisa's life is never without challenges, both in her business and personal life. Nonetheless, she stays focused on the opportunities that lie ahead, and not on the failures of yesterday or the worries of today.

*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 repay 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
  • 442
    View loans »
    Philippines Loans Fundraising
  • $70,831,400
    Funds lent in using Kiva
  • 43.8
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,150 helped Ma Luisa purchase of more products for the store.
100% repaid
Repayment Term
7 months (Additional Information)
Repayment Schedule
Nov 10, 2010
Dec 7, 2010
Currency Exchange Loss:
May 15, 2011