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This is Vilma, 53, resident of Dasmariñas Cavite, Philippines. She is married to Danilo, a contractor, and mother of four children. Three of her children are already working and have their own families, while the youngest is still in high school. Vilma and her husband manage their own household while operating the business. At this time, she is working hard to continually provide income for her everyday expenses.

Vilma operates a rug-making business. She mainly offers rugs: from those round palm sized ones, to the much larger doormats, braided quilts and bed sheets, and other crafts that most rug-makers produce every day. As rugs are a major part of Filipino housekeeping and cleaning, rugs are one of the most common products that can be bought, sometimes even from a peddler while you are riding in a speeding jeepney down the highway. She also sells cooked meats for additional income. Her regular customers are her neighbours and the local community. She earns a minimum of PHP850 in sales every day.

To help her continue operations of her business, she is requesting a PHP9,000 loan. She will be utilizing the loan to buy more quantities of raw materials like fabric, thread and other materials. She expects a boost in her business income as she expands her business.

Vilma dreams to be able to give her all of her children a good and high quality education through all her hard work on her business. She faithfully meets up with her co-fellowship members to share stories of her work every week and she can also draw strength and inspiration from the Word of God that 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 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
  • 328
    View loans »
    Philippines Loans Fundraising
  • $70,796,100
    Funds lent in using Kiva
  • 43.7
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $225 helped Vilma to pay for raw materials needed in her business.
100% repaid
Repayment Term
5 months (Additional Information)
Repayment Schedule
Nov 8, 2011
Nov 30, 2011
Currency Exchange Loss:
Mar 15, 2012