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Update on Sandy

This is Sandy. He previously accessed an 15,000 PHP loan that he used to purchase quantities of raw materials like fabric, thread and other materials needed in his business. His earnings were a big help for the education of his children as well as in their personal, household and business expenditures. He would like to apply for another 15,000 PHP loan to buy additional supplies of raw materials like thread, fabric and other things needed in his tailoring business. The profits from his business will definitely help him to sustain his daily needs and children’s education. He looks forward to this financial increase with gladness and thankfulness in his heart. Sandy hopes that his business will continue to grow. He meets up with his co-fellowship members to share stories of his work every week where he finds strength and inspiration from the Word of God he 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.

Previous Loan Details

This is Sandy, 35, a resident of Silang, Cavite, Philippines. He is married to Jane, a housewife, and is a father to his children. He, together with his wife, manages his own business to be able to sustain their everyday expenses. Sandy operates a tailoring business. He mainly offers uniforms ... More from Sandy's previous loan »

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.

Concurrent and Successive Loans

Our Field Partners often work with borrowers over a series of loans as the borrowers build credit, take out bigger loans, and expand their businesses. In order to make it easier for our Field Partners to post loans for borrowers who have been listed on Kiva before, we allow them to post successive and concurrent loans for their Kiva borrowers. This means that our Field Partners are able to post a borrower's second, third, etc., loan on Kiva without having to re-enter all of the borrower's information.

This borrower has been listed on Kiva before, so you'll see an updated loan description, as well as excerpts of the original descriptions from earlier loans. Most borrowers take out loans consecutively, meaning that they receive a second loan after having repaid the first. However, sometimes our Field Partners give out concurrent loans, allowing borrowers to take out one primary loan and a secondary "add-on" loan along with it. These "add-on" loans are typically smaller than the borrower's primary loan and serve a different purpose. Because Field Partners can now post loans as successive and concurrent loans, you will be able to track borrower progress over time and see the various ways a borrower is working with our Field Partners through funds from Kiva’s lenders.

About Philippines

  • $7,000
    Average annual income
  • 387
    View loans »
    Philippines Loans Fundraising
  • $69,621,575
    Funds lent in using Kiva
  • 41.3
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $375 helped Sandy to pay for raw materials like thread, fabric and other things needed in his tailoring business.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Apr 19, 2013
Apr 27, 2013
Currency Exchange Loss:
Nov 17, 2013
This photo was used before for a previous loan for Sandy. It was first posted on Kiva on Oct, 2012. Learn More