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This is Fe, 55-years old, and a resident of Pasay City, Philippines. She is married to Demetrio, a caddie boy, and mother to four children. Two are already working while the other two are still studying in high school. Fe, together with her husband, manage their own household while operating the business. At this time, she is working hard to continually provide income for their everyday expenses.

Fe has been buying and selling golf balls for several years. She buys the balls at wholesale prices, and then sells them at a piece rate. Her store is located outside the Philippine Navy golf course in Fort Bonifacio, which is very accessible to all golf players, who are her immediate customers. Aside from this, she also earns additional income from her small variety store. She earns a minimum of 1000 Philippine Pesos (PHP) in sales every day.

To help her continue the operations of her business, she is requesting a PHP 32,000 loan. She will be utilizing the loan to buy more quantities of quality golf balls to sell. She knows that having a lot of stock will attract more customers to her store. She expects a boost in her business income as she expands her business.

Fe hopes her business grows and dreams to be able to give her children a good future, and high quality education through all her hard work. She faithfully meets up with her co-fellowship* members to share stories of her work every week. 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 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
  • 361
    View loans »
    Philippines Loans Fundraising
  • $70,831,400
    Funds lent in using Kiva
  • 43.5
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $750 helped Fe to pay for additional stock of golf ball products needed in her business.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Aug 22, 2011
Sep 24, 2011
Currency Exchange Loss:
Mar 15, 2012