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Norily is the 39-year-old mother of a boy, and the proprietor of a variety retail store. Her husband is a security guard but also helps part-time with the growing business operation through lending a hand in the business's logistics. They are partners not only in marriage, but also in business. Their family of three lives in a small urban area in the mountains of Montalban.

Norily's business is a retail variety store, selling basic goods and commodities such as rice, charcoal, and other grocery items to a poor community. "We are very happy to help the people. Sometimes they have no money for the day so we give them their needs anyway and ask them to pay it within the week," says Norily.

The business started in 1999 as a small store with a few packs of noodles and canned goods and now has expanded to even distributing government rice to the community. "The store's best asset, I guess, is its rice distribution. So many families in our area need food on their tables, but some can't afford to buy commercial rice because it is expensive (P30 per kilo). And it is just a great privilege for us to offer help by being a government rice distribution center." The government's social welfare department chose Norily's store as a distribution center to the poor in their community.

Having been a great help to the urban poor community in their town, they now plan to also expand their market by catering to the middle class residents in their area. They are hoping to open a balloon and party-needs business. They need around P50,000 to start the business, and have applied for a medium business loan from Center for Community Transformation (CCT).

Their recent loan with CCT, their 11th loan, amounted to P45,000 which put their retail store in a firm financial position. They never missed a loan and savings payment.

About CCT
CCT is a Filipino family-oriented and Bible-centered development organization that provides and creates equal business opportunities for small-scale Filipino entrepreneurs through loans and social interventions.

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
  • 2087
    View loans »
    Philippines Loans Fundraising
  • $61,189,400
    Funds lent in using Kiva
  • 48.2
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,050 helped Norily to invest in a new business: balloons and party needs.
100% repaid
Repayment Term
13 months (Additional Information)
Repayment Schedule
Jun 18, 2009
Jul 16, 2009
Currency Exchange Loss:
May 15, 2010