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This is Lorena, 43, a resident of Manila, Philippines. She is married to Ambrosio, a driver, and is a mother to her children. Together with her husband, Lorena manages their household while operating a business. She is working hard to continually provide income for their everyday expenses.

Lorena offers manicure and pedicure services. She already has regular customers in her community, and they contact her when they need her. She provides home services. She earns a minimum of PHP 600 in sales every day.

To help her continue operating her business, she is requesting a PHP 12,000 loan. She will use the loan to buy nail polish, cuticle remover, cuticle pushers, nail cutters, and other tools and supplies she needs to carry on her business. She expects a boost in her business income as she expands her business.

Lorena hopes to have a happy family and dreams of expanding her business. 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 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
  • 314
    View loans »
    Philippines Loans Fundraising
  • $70,604,925
    Funds lent in using Kiva
  • 40.8
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $300 helped Lorena to pay for tools and supplies to use in her manicure and pedicure business, like a manicure bowl, nail polish, tweezers, and nippers.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Dec 17, 2012
Jan 3, 2013
Currency Exchange Loss:
May 17, 2013