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Melanie, 37, has three children and lives in Manila, Philippines. She is married to Edwin, an employee. Melanie and her husband manage their own household while operating the business. Melanie works hard to continually provide income for the family's everyday expenses.

Melanie retails processed meat products, such as ham, hot dogs, processed pork, etc. She buys the products from the wholesaler and then sells them per piece/pack for a profit. Customers are attracted to the low prices and the many options Melanie offers. She also retails cellphone loads for additional income. Melanie's regular customers are her neighbors and the local community. She earns a minimum of PHP 1,000 in sales every day.

To help her continue operations of her business, Melanie is requesting a PHP 30,000 loan, which she will use to buy more quantities and varieties of processed meat products to expand her product inventory. She expects a boost in her business income as she expands her business.

Melanie hopes to be able to expand soon, as she dreams of being able to give her children a good, high quality education through all her hard work. She faithfully meets up with her co-fellowship* members weekly to share stories of her work and to 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 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
  • 302
    View loans »
    Philippines Loans Fundraising
  • $70,622,575
    Funds lent in using Kiva
  • 43.1
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $700 helped Melanie to pay for additional stock of processed meat products.
100% repaid
Repayment Term
5 months (Additional Information)
Repayment Schedule
Mar 5, 2012
Mar 27, 2012
Currency Exchange Loss:
Jul 15, 2012