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This is Elvira, 51, a resident of Cabrera, Pasay, Philippines. She is married and she has children. She, together with her husband, manages their household while operating the business. She works hard to provide income for their everyday expenses.

Elvira operates the buying and selling business of her family. What she basically does is to buy general merchandise from wholesalers and sell it with a little profit. Her products are men's and women’s clothes and other products of the like. Customers are attracted to buy due to the low selling prices and the many options she offers. Her regular customers are her neighbors and the local community. She earns a minimum of 300 Philippine Pesos (PHP) in sales every day.

To help her continue operation of her business, she is requesting a PHP 10,000 loan. She will be utilizing the loan to buy RTW products and merchandise items like polo shirts for men and women, socks and shirts to expand her product inventory.

Elvira dreams that her business will grow bigger and hopes to have a better living. She meets up with her co-fellowship* members to share stories of her life and business every week, where she can also draw strength and inspiration from the Word of God she 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 repay 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
  • 367
    View loans »
    Philippines Loans Fundraising
  • $70,797,850
    Funds lent in using Kiva
  • 43.8
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $250 helped Elvira to pay for RTW products and merchandise items like polo shirts for men and women, socks and shirts to expand her product inventory.
100% repaid
Repayment Term
5 months (Additional Information)
Repayment Schedule
Nov 8, 2013
Nov 15, 2013
Currency Exchange Loss:
Mar 18, 2014