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Marcelina is 43, years old and lives in GMA, Cavite, Philippines with her husband and three children. She earns a living by selling herbal products from a company known as Vita Plus. She pays for her inventory in cash and then gives her customers one month to pay her back for the products they buy. People like to buy from her because she charges less than the company's catalog. She sells to neighbors and people in her community, and earns a minimum of PHP 2,000 in sales every week. She is requesting a loan for PHP 15,000 to buy more items to sell to her customers. Marcelina hopes that her business will continue to grow, and to help make that happen she meets with co-fellowship* members to share stories of her life and business every week and draw strength and inspiration from her religion.

* 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 who meet weekly to study religion, 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
  • 497
    View loans »
    Philippines Loans Fundraising
  • $70,831,400
    Funds lent in using Kiva
  • 40.8
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $375 helped Marcelina to buy herbal products to sell to her customers.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Mar 13, 2013
Apr 4, 2013
Currency Exchange Loss:
Aug 17, 2013