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This is Mercy, 48, resident of Bacoor, Cavite, Philippines. She is married to Noel, a businessman, and mother of three children, two of whom are already in college, while the youngest is still in high school. By the grace of God, Mercy has managed to support her older children's schooling up to college level. At this time, she is working hard to send her youngest to college. This is a dream for most poor Filipino parents like Mercy. She herself has been a college undergraduate and believes that a college diploma is the best inheritance parents can leave to their children.

Mercy operates a vulcanizing shop. To vulcanize is to harden rubber by combining it with sulfur or other substances in the presence of heat and pressure. This is usually done to punctured tires. Vulcanization gives rubber strength, resistance and elasticity. She also sells tires. They have a tire supply. Her regular customers are her neighbors and the local community. She earns a minimum of 350 Philippine pesos (PHP) in sales every day.

To help her continue operations of her business, she is requesting a 60,000 PHP loan. She will be using the loan to buy more equipment for their business and also for items used to maintain their equipment. She expects a boost in her business income as she expands her business.

Mercy dreams of being able 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 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
  • 341
    View loans »
    Philippines Loans Fundraising
  • $70,724,275
    Funds lent in using Kiva
  • 41.4
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,450 helped Mercy to pay for more equipment for their vulcanizing shop.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Oct 18, 2012
Oct 27, 2012
Currency Exchange Loss:
Nov 17, 2013