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Update on Eufemia

Eufemia is thankful for the financial assistance that has been extended to her. A previous loan enabled her to buy spare parts and accessories for her transportation business. In addition to improving her business, the loan provided income to help educate her children and pay for everyday household expenditures. She and her husband are working hard to provide for their family.

Eufemia would like to apply for another 19,000 PHP loan to buy spare parts and pay for maintenance of her Jeepney unit.* Profits from her business will help her sustain her family's daily needs and pay for her children's educational expenses. She looks forward to this financial increase with gladness and thankfulness in her heart.

Eufemia dreams that her business will continue to flourish and hopes to improve her living standards. She meets with her co-fellowship members** every week to share stories of her work and to find strength and encouragement from the word of God that she studies.

* Curiously, Jeepneys have purely American origins. They were first used by American soldiers helping the Philippines to defend themselves against the invading Japanese. Through their ingenuity, Filipinos modified the Jeep into a 20-seat Jeepney. The vehicles are open enough to provide adequate ventilation, sturdy enough for everyday travel, and cheap enough to buy and maintain. Now, Jeepneys are one of the things that makes the Philippines truly the Philippines.

** 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.

Previous Loan Details

This is Eufemia. She previously accessed an 25,000 PHP loan that she used to buy spare parts, accessories, and for maintenance on their Jeepney unit. Her earnings were a big help for the education of her children and in their personal, household, and business expenditures. She would like to a... More from Eufemia's previous loan »

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.

Concurrent and Successive Loans

Our Field Partners often work with borrowers over a series of loans as the borrowers build credit, take out bigger loans, and expand their businesses. In order to make it easier for our Field Partners to post loans for borrowers who have been listed on Kiva before, we allow them to post successive and concurrent loans for their Kiva borrowers. This means that our Field Partners are able to post a borrower's second, third, etc., loan on Kiva without having to re-enter all of the borrower's information.

This borrower has been listed on Kiva before, so you'll see an updated loan description, as well as excerpts of the original descriptions from earlier loans. Most borrowers take out loans consecutively, meaning that they receive a second loan after having repaid the first. However, sometimes our Field Partners give out concurrent loans, allowing borrowers to take out one primary loan and a secondary "add-on" loan along with it. These "add-on" loans are typically smaller than the borrower's primary loan and serve a different purpose. Because Field Partners can now post loans as successive and concurrent loans, you will be able to track borrower progress over time and see the various ways a borrower is working with our Field Partners through funds from Kiva’s lenders.


About Philippines

  • $7,000
    Average annual income
  • 350
    View loans »
    Philippines Loans Fundraising
  • $70,667,525
    Funds lent in using Kiva
  • 44.7
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $450 helped Eufemia to pay for spare parts, accessories, and maintenance for her Jeepney.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Apr 22, 2014
Apr 27, 2014
Currency Exchange Loss:
Sep 17, 2014