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This is Lucena, 53, a resident of GMA, Cavite City, Philippines. She is married to Manolito, a "tricycle" driver, and mother to their two children. By the grace of God, Lucena has managed to support her children's schooling. At this time, she is working hard to continually provide income for their everyday expenses.

Lucena has a ginseng farm in Cavite were she grows and sells ginseng products. She also have one "tricycle" unit that carries up to four passengers to their destination within the community. Her regular customers in her business are neighbors and the local community. Lucena earns a minimum of Php800 in sales every day.

To help her continue operations of her business, she is requesting a Php 20,000 loan. She will be utilizing the loan for farm inputs like fertilizer and also for the maintenance of their tricycle. She expects a boost in her business income as she expands her business.

Lucena dreams of being able to have a wide market for her products. She faithfully meets up with her co-fellowship members to share stories of her work every week and 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 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
  • 452
    View loans »
    Philippines Loans Fundraising
  • $69,660,550
    Funds lent in using Kiva
  • 42.0
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $500 helped Lucena to pay for farm inputs and for spare parts and maintenance of her "tricycle".
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Jul 13, 2011
Aug 11, 2011
Currency Exchange Loss:
Jun 15, 2012