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This is Crisales, aged 32, who lives in Silang, Cavite in the Philippines. She is married to Sonny, who is a driver, and they have children together. By the grace of God, she has managed to support their children's schooling. At the moment, she is working hard to continually provide income for their everyday expenses.

Crisales oversees the operations of their jeepney business (small bus - see footnote). She has a one unit (14-16 person capacity) jeepney, which earns boundary (rent) each day. Her regular customers are her neighbours and the local community. She earns a minimum of 1,000 Philippines Pesos (PHP) every day.

To help her continue her business, she is requesting a PHP 15,000 loan. She will be using the loan to buy spare parts, and for the maintenance of her jeepney unit. She is planning to expand her business and therefore expects an increase in her business income.

Crisales dreams of having a better life. Every week, she meets up with her co-fellowship members* to share stories of her work. At the meetings, she can also draw strength and inspiration from studying the Word of God.

Footnote: Interestingly, jeepneys have purely American origins. They were first used by American soldiers helping the Philippines throw off the invading Japanese. Filipino ingenuity, however, managed to see this vehicle as an opportunity to earn, and modified the Jeep into a 20-seater jeepney, open enough to provide adequate ventilation, sturdy for every day travel, and cheap enough to buy and maintain. Now, the jeepneys are one of the things that makes the Philippines truly Philippines.

* 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 make their microfinance loan repayments.

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
  • 372
    View loans »
    Philippines Loans Fundraising
  • $70,797,850
    Funds lent in using Kiva
  • 42.1
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $375 helped Crisales to pay for the spare parts and maintenance of their jeepney unit.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
May 24, 2013
Jun 9, 2013
Currency Exchange Loss:
Oct 20, 2013