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Update on Avelina

This is Avelina. She previously accessed a 20,000 PHP loan that she used to buy spare parts and accessories for the maintenance of their jeepney unit. Her earnings were a big help in their personal, household and business expenses.

She would like to apply for another 25,000 PHP loan to buy additional spare parts for the maintenance of their jeepney unit. The profits from her business will definitely help her to sustain their daily needs. She looks forward to this increase in earnings with gladness and thankfulness in her heart.

Avelina dreams that her business will continue to grow and hopes to have a good life. She meets up with her co-fellowship** members to share stories of her work every week and to draw strength and inspiration from studying the Word of God.

*Curiously, Jeepney has purely American origins. They were first used by American soldiers helping the Philippines throw out 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 jeepney is 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 pay micro finance loans.

Previous Loan Details

This is Avelina, 50, resident of Silang Cavite, Philippines. She is married to Ordialyn, a jeepney driver, and a mother to their two children. By the grace of God, Avelina has managed to support her child's schooling. Her two children have already settled down with their own families. She is work... More from Avelina'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
  • 493
    View loans »
    Philippines Loans Fundraising
  • $65,909,700
    Funds lent in using Kiva
  • 43.7
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $575 helped Avelina to pay for the spare parts and maintenance of their jeepney unit.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Jun 19, 2013
Jun 29, 2013
Currency Exchange Loss:
Jan 17, 2014
This photo was used before for a previous loan for Avelina. It was first posted on Kiva on Mar, 2012. Learn More