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This is Susan, 53, a resident of GMA, Cavite, Philippines. She is married to Reynaldo, her business partner, and is a mother to her children. She and her husband share responsibility in attending to their young children and at the same time, earning an income for their daily needs.

Susan is a balut vendor. In the Philippines, balut is a well-known egg that is sold on the sidewalk. It is an egg of ducks that had not been hatched; instead, it was cooked as a boiled egg with a delicious small amount of soup inside. It is a highly nutritious food that Filipinos love to eat, especially when they feel tired as it revitalizes their energy and strength. About 450-600 pieces of balut eggs are being boiled and sold every night. She and her husband do the selling to lessen expenses for the commissions of vendors who will sell it. They earn 300 Philippine Pesos (PHP) in sales per day.

Susan is requesting a loan amounting to 20,000 PHP that she will use as additional capital for her business to buy more eggs.

Susan dreams to have a stall located in the market. She still will have to wait a little bit more to make this come true because she has prioritized being a mother first to her young children. For now, she and her husband will just continue to lean on each other to make their small business grow for the sake of their children’s future. She never fails to attend weekly fellowship* as it inspires her to go on with their life no matter what the obstacles are, because she has a big God who will never fail her.

* 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
  • 330
    View loans »
    Philippines Loans Fundraising
  • $70,724,275
    Funds lent in using Kiva
  • 43.3
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $475 helped Susan to pay for more eggs needed in her business.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Jun 25, 2013
Jul 26, 2013
Currency Exchange Loss:
Jan 17, 2014