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Ma. Lourdes
This is Ma. Lourdes, 50, a resident of Silang, Cavite, Philippines. She is married to Lauro, a driver and father of her children. She and her husband are managing their household while operating their business. They are working hand in hand to provide income for their everyday expenses.

Ma. Lourdes owns and oversees operations of their jeepney transportation business (see footnote). She has a one-unit jeepney (14 to 16 person capacity), which fills its daily quota of passengers each day. Her regular customers are her neighbors and the local community. She earns a minimum of PHP 1,000 every day.

To help her continue operations of her business, she is requesting a PHP 20,000 loan. She will use the loan to buy spare parts and pay for the maintenance of her jeepney.

Ma. Lourdes hopes that her jeepney will always be in good condition, and she dreams that her children will have a better future. She meets up with her co-fellowship members to share stories of their lives and business every week. There she can also draw strength and inspiration from the Word of God she studies.

-Curiously, jeepneys have purely American origins. Jeeps were first used by American soldiers helping the Philippines throw off the invading Japanese. Filipinos, however, managed to see this vehicle as an opportunity to earn, and with their ingenuity they modified the Jeep into a 20-seat 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 make the Philippines truly Philippines.

* All CCT community partners / clients are organized into fellowship groups that meet weekly. 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 down their Micro Finance 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
  • 469
    View loans »
    Philippines Loans Fundraising
  • $69,677,850
    Funds lent in using Kiva
  • 44.6
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $450 helped Ma. Lourdes to pay for the spare parts and maintenance of her jeepney.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Aug 20, 2013
Sep 7, 2013
Currency Exchange Loss:
Mar 18, 2014