Update on ArleneThis is Arlene, 48, resident of Dasmariñas, Cavite, Philippines. She is married to Pol, her business partner. At this time, she is working hard to be able to send her children all the way through college.
Arlene operates a RTW, thermal paper and chlorine distribution business. She mainly offers RTW products with many designs to choose from. They also offer people the privilege to make their own design. Seasonal demands for clothing like basketball jerseys, costumes and such are available all year round. She also distributes chlorine and thermal paper to local customers in the community. She earns a minimum of Php500 in sales every day.
To help her continue the operations of her business, she is requesting a Php 50,000 loan. She will be utilizing the loan to buy additional supplies of RTW, chlorine and thermal paper products needed for her business. She expects a boost in her business income as she expands her business.
Arlene dreams of beingable to give 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.
* 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.
Previous Loan DetailsThis is Arlene, 47, a resident of Dasmarinas, Cavite, Philippines. She is married to Dol, a consultant, and is the mother to three children. She, together with her husband and children, manage their own household while operating the business. She works hard to provide income for their everyday ex... More from Arlene's previous loan »
About the Center for Community TransformationThe 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.
Concurrent and Successive Loans
Our Field Partners often work with borrowers over a series of loans as the borrowers build credit, take out bigger loans, and expand their businesses. In order to make it easier for our Field Partners to post loans for borrowers who have been listed on Kiva before, we allow them to post successive and concurrent loans for their Kiva borrowers. This means that our Field Partners are able to post a borrower's second, third, etc., loan on Kiva without having to re-enter all of the borrower's information.
This borrower has been listed on Kiva before, so you'll see an updated loan description, as well as excerpts of the original descriptions from earlier loans. Most borrowers take out loans consecutively, meaning that they receive a second loan after having repaid the first. However, sometimes our Field Partners give out concurrent loans, allowing borrowers to take out one primary loan and a secondary "add-on" loan along with it. These "add-on" loans are typically smaller than the borrower's primary loan and serve a different purpose. Because Field Partners can now post loans as successive and concurrent loans, you will be able to track borrower progress over time and see the various ways a borrower is working with our Field Partners through funds from Kiva’s lenders.
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Success!! The loan was 100% repaid