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Teresita B. manages a photocopying service center. She also sells school and office supplies plus electronic load credits for mobile phones. Teresita is a 52-year-old woman living in Soldiers Hills, Caloocan City. Her husband, Fernando, 51, is a technician. They have two adult children. Teresita has been in her business for ten years. She earns 16,000 PHP net income per month (especially on school days).

Teresita became a member of the Center for Community Transformation (CCT) Credit Cooperative in 2006. Her place of business is located near a marketplace and transport terminal, but it’s too small. She has been planning to expand it. She applied for a loan of 24,000 PHP to undertake repairs to her shop and to restock school and office supplies to sell.

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

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
  • 1472
    View loans »
    Philippines Loans Fundraising
  • $59,394,700
    Funds lent in using Kiva
  • 47.3
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $525 helped Teresita expansion of an office supplies store and photocopying center.
100% repaid
Repayment Term
7 months (Additional Information)
Repayment Schedule
Sep 9, 2009
Sep 23, 2009
Currency Exchange Loss:
Mar 15, 2010