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Ester is a 63-year-old married resident of Taguig, Philippines. Her husband, Virgilio, is a driver. They manage their household while operating the business. She works hard to continually provide income for their everyday expenses.

Ester operates a house rental business. It is rented on a monthly basis. She also sells frozen and processed foods for additional income. She is also a jeepney (public transportation) operator to earn additional income. She earns a minimum of 20,000 Philippine Pesos (PHP) in sales every month.

To help her continue to operate her business, she requests 13,000 PHP. She will use the loan to repair her rental property.

Ester dreams of expanding her business and hopes to provide a good life for her family. She meets weekly with her co-fellowship* members to share stories of her work. She draws 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
  • 428
    View loans »
    Philippines Loans Fundraising
  • $70,831,400
    Funds lent in using Kiva
  • 44.9
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $300 helped Ester to pay for the repair and maintenance of her rental property.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Jan 14, 2014
Feb 11, 2014
Currency Exchange Loss:
Aug 17, 2014