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This is Cecilia, 47, a resident of Dasmariñas, Cavite, Philippines. She is married to Armando, a technician and father to her seven children. She, together with her husband and children, manages their household while operating the business. At this time, she is working hard to continually provide income for her everyday expenses.

Cecilia is a Yakult vendor. Yakult is a Japanese pro-biotic milk-like product made by fermenting a mixture of skimmed milk with a special strain of the bacterium Lactobacillus casei Shirota. She buys Yakult from a Yakult plant and then she sells it by the bottle. Her regular customers are her neighbors and the local community. She earns a minimum of PHP 700 in sales every day.

To help her continue operations of her business, Cecilia is requesting a PHP 10,000 loan. She will use the loan to buy more stocks of Yakult to expand her product. She expects a boost in her business income as she expands her business.

Cecilia dreams of being able to give her all her children a good future and high quality education through all her hard work. She also hopes to have a growing network of customers. She faithfully meets with her co-fellowship members every week to share stories of her work and to draw strength and inspiration from the Word of God, which 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
  • 469
    View loans »
    Philippines Loans Fundraising
  • $69,650,875
    Funds lent in using Kiva
  • 41.5
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $250 helped Cecilia to pay for more stocks of Yakult (a pro-biotic milk-like product) needed in her business.
100% repaid
Repayment Term
5 months (Additional Information)
Repayment Schedule
Sep 5, 2012
Sep 19, 2012
Currency Exchange Loss:
Jan 15, 2013