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Ma. Isabel
Ma. Isabel D., a 48-year-old woman from Malaria, Caloocan City, converted her house’s balcony to a general store six years ago. Her husband, Oscar, 59, is a bookkeeper. Two of their six children are still in school. She sells basic home necessities. Recently, she also started selling food items and fresh eggs. She enjoys her business a lot because she can help augment her family’s income without the need to leave the comfort of her home. Ma. Isabel now earns 13,000 PHP net income per month.


Ma. Isabel joined the Center for Community Transformation (CCT) Credit Cooperative in 2007. She says the most valuable lesson she has learned with the cooperative is the need to save for the future. Ma. Isabel needs a loan of 12,000 PHP for the expansion of her general store. She wants to see her children finish their education.


About CCT:
The Center for Community Transformation (CCT) is an organized Christian response to poverty and social injustice. It is carried out through a fusion of social development initiatives and an evangelical mission in a uniquely Filipino context. CCT 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
  • 507
    View loans »
    Philippines Loans Fundraising
  • $51,053,400
    Funds lent in using Kiva
  • 48.2
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $250 helped Ma. Isabel additional business capital.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Aug 20, 2009
Listed
Sep 12, 2009
Currency Exchange Loss:
Covered
Ended:
Dec 15, 2009