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Anita A. is a 46-year-old businesswoman who has multiple activities but manages to divide her time wisely. She lives in Bagong Silang, Caloocan City. Her husband Prudencio, 49, is an employee. They have two children, the eldest is in college and the other is in high school.

Anita is into direct selling of cosmetics. Like most Filipina women entrepreneurs, she gets rebates from items that she gets from reputable cosmetics and apparel companies on consignment (Avon, Sarah Lee, Board Walk, Natasha, etc.) and sells them to customers on an installment basis. She also makes rags from fabric trimmings and sells them to customers. She also repacks and retails powder detergent. She is also selling electronic load credits for mobile phones. These combined activities give Anita a sure net income of at least P16,000.00 a month.

She joined the Center for Community Transformation (CCT) Credit Cooperative in 2005. She has learned from the cooperative the value of saving for the future. She used her savings for the renovation of their house. She wishes to see all her children finish their education.

Anita has applied for a new loan with the cooperative amounting to P50,000.00 as additional capital to keep her businesses going.

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.

CCT is a member of the Five Talents family.

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
  • 739
    View loans »
    Philippines Loans Fundraising
  • $63,295,350
    Funds lent in using Kiva
  • 48.4
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,050 helped Anita as additional capital to keep her businesses going.
100% repaid
Repayment Term
5 months (Additional Information)
Repayment Schedule
Aug 12, 2009
Sep 22, 2009
Currency Exchange Loss:
Dec 15, 2009