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This is Thelma, 36, resident of Tanza, Cavite, Philippines. She and her partner Rey, a worker, care for their children and manage their household while operating a business. At this time, Thelma is working hard to provide income for her everyday expenses.

Thelma operates a repacking business. She buys products from wholesalers, repacks them, and sells them at a profit. She also sews. Her regular customers are neighbors and the local community. She earns a minimum of 500 PHP in sales every day.

To help her continue operating her business, Thelma is requesting a 12,000 PHP loan. She will use the loan to buy products like garlic, pepper, laurel, and candies. She expects a boost in her business income as she expands her business.

Thelma dreams that her business will get bigger, and she hopes to give her children a good life and education. Every week, she meets up with her co-fellowship members to share stories of her life and business and to draw strength and inspiration from studying the Word of God.

* 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
  • 452
    View loans »
    Philippines Loans Fundraising
  • $66,141,500
    Funds lent in using Kiva
  • 40.7
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $300 helped Thelma to buy products like garlic, pepper, laurel, and candies for resale.
100% repaid
Repayment Term
5 months (Additional Information)
Repayment Schedule
Feb 7, 2013
Mar 7, 2013
Currency Exchange Loss:
Jun 17, 2013