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This is Ramil, 41, resident of Sara, Iloilo, Philippines. He is married to Roselyn, who also operates a direct selling business, and they have two children. He, together with his wife, manages their own household while operating the business. At this time, he is working hard to continually provide income for their everyday expenses.

Ramil also runs a corn growing farm. He grows corn on their farm located in Iloilo, which is in the high lands where it is suited to growing corn and other fruits. He sells his product at the market, to the fruit stores that he supplies regularly, and to the local community. He earns a minimum of PHP 3,000 in sales every week.

To help him continue operations of his business, he is requesting a PHP 30,000 loan to buy fertilizer and farm inputs for his business. Part of the loan will also go on the maintenance of his farm. He expects a boost in his business income as he expands.

Ramil dreams of expanding his farm business further and growing other fruit staples. He wants his children to finish their studies. He meets up with his co-fellowship members* to share stories of his work every week and to draw strength and inspiration from the Word of God which he 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
  • 391
    View loans »
    Philippines Loans Fundraising
  • $70,831,400
    Funds lent in using Kiva
  • 43.8
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $700 helped Ramil to pay for fertilizer and farm inputs for his business.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Aug 29, 2014
Aug 22, 2014
Currency Exchange Loss:
Mar 17, 2015