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This is Marcela, 35, a resident of Pasay City, Philippines. She is married to Rey, a security guard, and is a mother to her children.

Marcela has managed to support her older children's schooling up to college level. At this time, she is working hard to continue to provide income for her children's everyday expenses as well as their schooling. Marcela believes that a college diploma is the best inheritance parents could leave to their children.

Marcela operates a food stall. In the Philippines, the whole working community and most of the families eat home-cooked meals only during evenings where all of the family members are at home to take part of the meal. This is not only a usual family tradition but a matter of convenience and frugal living. It is considered a waste of money and time to spend cooking gas and food for one to two persons when buying cooked rice and viands cost less than raw food.

Her regular customers are her neighbors and the local community. Aside from the food stall, she sells frozen food like hot dogs and ham. She earns a minimum of PHP 1,690 in sales every day.

To help her continue operations of her business, she is requesting a PHP 25,000 loan. She will be using the loan to buy more quantities of products like meats, rice, vegetables, condiments and seasonings, as well as frozen food products. She expects a boost in her business income as she expands her business.

Marcela dreams of giving all her children a good and high-quality education through all her hard work on her business. She also hopes to have her own restaurant.

She faithfully meets with her co-fellowship members to share stories of her work every week and where she can also draw strength and inspiration from the word of God she studies.

* 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
  • 362
    View loans »
    Philippines Loans Fundraising
  • $70,667,525
    Funds lent in using Kiva
  • 43.6
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $575 helped Marcela to pay for products and raw ingredients needed in her business.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
May 25, 2011
Jun 23, 2011
Currency Exchange Loss:
Dec 15, 2011