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This is Hilda, age 49, who is a resident of Manila in the Philippines. She is married to Hilario, a laborer, and is a mother to her three children. She and her husband manage their own household while operating a business. At this time, she is working hard to continually provide income for her family's everyday expenses.

Hilda operates a dried-fish retailing business. She buys dried fish from wholesalers, repacks them and then sells them per pack for a profit. Products can range from dried fish to dried anchovies and other similar products. Customers are attracted to her business due to the low selling prices and the many options she offers. Her regular customers are her neighbors and the local community members. She earns a minimum of PHP 300 in sales every day.

To help her continue operating her business, Hilda is requesting a PHP 33,000 loan. She will be utilizing the loan to buy more quantities and varieties of products to expand her product inventory. She expects a boost in her business income as she expands her business.

Hilda dreams of having a good future. Her hope is that her children will finish their 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 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 comprises 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
  • 560
    View loans »
    Philippines Loans Fundraising
  • $69,906,675
    Funds lent in using Kiva
  • 41.8
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $800 helped Hilda to pay for additional stock of supplies and products needed in her business.
100% repaid
Repayment Term
9 months (Additional Information)
Repayment Schedule
Jun 29, 2012
Jul 19, 2012
Currency Exchange Loss:
Feb 15, 2013