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This is Avelina, 51, a resident of Silang, Cavite, Philippines. She is married to Ordialyn, a driver, and they have children. She and her husband are managing their household while operating the business. They are working hand in hand to provide income for their everyday expenses.

Avelina owns and oversees operations of their jeepney* transportation business. She has one jeepney (14-16 person capacity), which earns boundary** (daily quota) payments each day. Her regular customers are her neighbors and the local community. She earns a minimum of 1,000 PHP every day.

To help her continue operating their business, she is requesting a 25,000 PHP loan. She will be utilizing the loan to buy spare parts and maintenance for her jeepney unit.

Avelina hopes to buy another jeepney unit and dreams that her family is always in good health. 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.

*Curiously, Jeepneys have purely American origins. They were first used by American soldiers helping the Philippines throw off 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 enough for every day travel, and cheap enough to buy and maintain. Now, the jeepneys are one of the things that truly makes the Philippines the Philippines.

**In the boundary system, the driver pays the jeepney owner a fixed amount (the “boundary”) for driving a passenger vehicle for 12 hours. It is as if the driver is renting the vehicle. What he earns from passenger fares above the “boundary” minus what he paid for the gas and oil is his take-home pay.

*** 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.

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
  • 317
    View loans »
    Philippines Loans Fundraising
  • $70,580,225
    Funds lent in using Kiva
  • 44.8
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $575 helped Avelina to pay for spare parts and maintenance for their jeepney unit.
100% repaid
Repayment Term
7 months (Additional Information)
Repayment Schedule
Feb 11, 2014
Mar 8, 2014
Currency Exchange Loss:
Aug 17, 2014