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Almira C., 33, lives with her husband Elvin, 32, a family driver, and their two grade school children in the heart of a joyful community in Maricaban, Pasay City.

Almira owns a general store located just in front of her house. She remembers starting this business five years ago with a handful of items to sell. She now earns close to P10,000 a month from her general store.

Almira joined the Center for Community Transformation (CCT) Credit Cooperative in 2004, the same year she opened her general store. She is applying for a P15,000 loan from CCT which she said she will use to expand her store by purchasing more items to sell.

About CCT
The Center for Community Transformation (CCT) is an organized Christian response against poverty and social injustice. This is carried out through the fusion of social development initiatives and evangelical mission in a uniquely Filipino context. It serves urban and rural poor communities throughout the Philippines, in pursuit of its desire to see changed lives, strong families, and transformed communities centered in the Lordship of Jesus Christ.

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
  • 691
    View loans »
    Philippines Loans Fundraising
  • $63,141,900
    Funds lent in using Kiva
  • 47.8
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $325 helped Almira to purchase more items to sell.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Jul 22, 2009
Aug 6, 2009
Currency Exchange Loss:
Feb 15, 2010