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Michelle, 25 years old, is a resident of Taguig, Philippines. She is married to Rhamil and is a mother to her child. She, together with her husband, manages their household, working hard to continually provide income for her every day expenses.

Michelle makes and sells rice cakes and rice dishes. These are foods commonly eaten for snacks and sometimes after meal for desserts. She sells them by order, with particularly strong demand for special occasions and holidays. Her regular customers are her neighbors and the local community. She earns a minimum of PHP 500 in sales every day.

To help her continue her business, she is requesting a PHP 15,000 loan. She will utilize the loan to buy more ingredients such as rice, sugar, condiments and seasonings. She expects a boost in her business income as she expands her business.

Michelle dreams that her business will continue to grow and hopes for good health and happiness for her family. She meets up with her co-fellowship members to share stories of her work every week and where she can also 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 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
  • 369
    View loans »
    Philippines Loans Fundraising
  • $70,831,400
    Funds lent in using Kiva
  • 41.0
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $375 helped Michelle to buy ingredients, such as rice, sugar, condiments, and seasonings, to make rice cakes.
100% repaid
Repayment Term
7 months (Additional Information)
Repayment Schedule
Mar 8, 2013
Apr 7, 2013
Currency Exchange Loss:
Sep 17, 2013