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This is Caroline, 42, a resident of GMA, Cavite, Philippines. She is a widow and a mother to her children. Together with her children, she manages their household while operating a business. She is working hard to continually provide income for her family's everyday expenses.

Caroline operates a lying-in clinic. She is a midwife by profession, and this is what she does for a living. She also earns income from her variety store, but she is more focused on her clinic. Her regular customers are her neighbors and the local community. She earns a minimum of PHP 1,000 in fees, every day.

To help her continue operating her business, she is requesting a PHP 15,000 loan. She will use the loan in the operation and renovation of her clinic. She expects a boost in her business income, as she expands her business.

Caroline hopes that her children will finish their studies and dreams that she will have her clinic fully renovated. She meets with her co-fellowship members* every week, to share stories of her life and business 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 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
  • 450
    View loans »
    Philippines Loans Fundraising
  • $69,733,650
    Funds lent in using Kiva
  • 40.8
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $375 helped Caroline to pay for the operation and maintenance of her labor and delivery clinic.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Feb 19, 2013
Mar 2, 2013
Currency Exchange Loss:
Sep 17, 2013