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This is Sarah A., 41, a resident of Pulido, GMA, Cavite, Philippines. She is married to Belleza A., her business partner, and is the mother of five children, three of whom are studying in public elementary school, one in college and the other is already working. At this time, she is working hard to be able to send her children all the way through college. This is a dream for most Filipino parents like Sarah, as she herself has been a college undergraduate and believes that a college diploma is the best inheritance parents can leave to their children.

Sarah has operated a candle-making business for nine years now. With nine employees, including her husband, Sarah is able to run the business with confidence. She has been able to establish patrons who have become wholesalers of her candles, not only in the local community but also in neighboring towns and cities. Monthly, Sarah earns an estimated net income of around 12,000 PHP.

To help her continue to operate her business, she is requesting a loan of 50,000 PHP. She plans to use this loan to buy more raw materials needed for her candle-making business. She expects a boost in her business income as she expands her business.

Sarah dreams of being able to give all of her children a good and high quality education through all of her hard work in her business. As a Christian family, by faith she claims that her business will become even more successful to also be of help to their growing local church. As a CCT community partner, she faithfully attends the group’s weekly fellowship* meetings where she can also draw strength and inspiration from the Word of God.

*All CCT community members are organized into fellowship groups composed of 15 to 30 community partners who meet on a weekly basis. The fellowship groups gather 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
  • 345
    View loans »
    Philippines Loans Fundraising
  • $70,667,525
    Funds lent in using Kiva
  • 43.4
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,175 helped Sarah to buy raw materials needed to make candles.
100% repaid
Repayment Term
7 months (Additional Information)
Repayment Schedule
Apr 4, 2011
Apr 20, 2011
Currency Exchange Loss:
Oct 15, 2011