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This is Nerissa, forty-two, a resident of Pasay City, Philippines. She is married to Emmanuel, a driver, and is the mother of three children. Together with her husband and children, she manages the household while operating the business. At this time, she is working hard to continually provide income for her everyday expenses.

Nerissa oversees operations of their vehicle rental business. They have two L300 vans that they rent out to transport cargo or for people who need vehicles when transferring household goods to other places. They provide their services within the city and nearby provinces. Aside from this she also earns other income from making rugs. She earns a minimum of 5,000 Philippine Pesos (PHP) in sales every week.

To help her continue operating her business, she is requesting a PHP 20,000 loan. She will use the loan to buy spare parts and do maintenance on her vans. She expects a boost in her business income as she expands her business.

Nerissa hopes to have her own house someday and dreams of being able to give her children a good and high quality education through all her hard work in her business. She faithfully meets up 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 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
  • 333
    View loans »
    Philippines Loans Fundraising
  • $65,979,775
    Funds lent in using Kiva
  • 42.8
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $475 helped Nerissa to pay for spare parts and maintenance of their vehicles.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Jan 25, 2012
Feb 19, 2012
Currency Exchange Loss:
Aug 15, 2012