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Maria Theresa
Although single, Maria Theresa M., 39 years old, stands as her family’s breadwinner. She lives with her siblings and parents in Modesta Village, San Mateo, Rizal.

Maria Theresa has been managing her general store for four years now. She also distributes bread and pastries to small stores in her community. Most of her time is also devoted to tending her direct-selling business where she gets orders for cosmetics and apparel from her customers. From these combined business activities, she earns at least P30,000 a month - enough to sustain her family’s basic daily needs.

Through a friend’s invitation, Maria Theresa became a member of the Center for Community Transformation (CCT) Credit Cooperative in 2008. She wants to expand her business so as to help employ neighbors who are in need. Currently, she needs a loan of P35,000 for this expansion.

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

More information about this loan

On Friday November 8, 2013, Super Typhoon Haiyan made its way through Southeast Asia, causing substantial damage to homes and businesses in areas of the Philippines. Given the state of devastation following this storm, borrowers living and working in these areas may have difficulty making repayments on their loans, thus making their Kiva loans higher risk. More 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

  • $1175
    Average annual income
  • 296
    View loans »
    Philippines Loans Fundraising
  • $52,061,650
    Funds lent in using Kiva
  • 48.2
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $750 helped Maria Theresa to use as additional capital to expand her business.
100% repaid
Repayment Term
7 months (Additional Information)
Repayment Schedule
Aug 11, 2009
Sep 11, 2009
Currency Exchange Loss:
Jan 15, 2010