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This is Celia, 43, a resident of Silang, Cavite, Philippines. She is married to Nieto, who works abroad, and a mother to her children. She, together with her children, manages their own household while operating the business. She works hard to provide income for their everyday expenses and her children’s studies.

Celia's business consists of buying and selling assorted toys and similar products. Basically, she buys toy products from wholesalers, repackages them, and sells them at a small profit. Her customers are attracted to buy due to the low prices she charges and the many options she offers. Her regular customers are her neighbors in the local community. She earns a minimum of 300 Philippine Pesos (PHP) in sales every day.

To help continue operations of her business, she is requesting a PHP12,000 loan. She will be using the loan to buy more candies and toy products to expand her inventory. She expects a boost in her business income as she expands her business.

Celia hopes to grow her business soon and dreams to be able to give her family a good future through all her hard work in her business. She faithfully meets every week with her co-fellowship members 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 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
  • 314
    View loans »
    Philippines Loans Fundraising
  • $70,580,225
    Funds lent in using Kiva
  • 41.1
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $300 helped Celia to buy products, such as different toys, to sell in her business.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Nov 14, 2012
Nov 23, 2012
Currency Exchange Loss:
Jun 17, 2013