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This is Milagros, 36 years old and a resident of Payatas, Philippines. She is married to Melvin and a mother to her children. She, together with her husband, manage their own household while operating the business. At this time, she is working hard to continually provide income for their everyday expenses.
Milagros has an embroidery business. She buys towels, fans and caps then she embroiders them with what the customer wants, or sometimes the designs is all her idea but customers like that and patronize them. Her regular customers are her neighbors and the local community. She earns a minimum of Php 600 in sales every day.
To help her continue operations of her business, she is requesting a Php 11,000 loan. She will be utilizing the loan to buy towels, fasn, caps and other materials needed in embroidery. She expects a boost in her business income as she expands her business.
Milagros dreams of giving her children a good and quality education. She faithfully meets up with her co-fellowship members to share stories of her work every week and where she also draws 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 repay 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
  • 389
    View loans »
    Philippines Loans Fundraising
  • $66,089,900
    Funds lent in using Kiva
  • 41.1
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $275 helped Milagros to pay for towesl, fans, caps and the materials needed in embroidery.
100% repaid
Repayment Term
7 months (Additional Information)
Repayment Schedule
Dec 6, 2012
Dec 17, 2012
Currency Exchange Loss:
Jun 17, 2013