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Bebina O., 54 years old, lives in a poor community in Parola, Binondo, Manila. Her husband is a carpenter and they have five children.

Bebina's hands are always full of things to do every day. She has a general store and a small food station where she cooks food and sells it to customers. She is making P21,000 a month in gross revenues and uses her profits to sustain daily family needs.

Bebina joined the Center for Community Transformation (CCT) Credit Cooperative in 2007. She has just finished repaying her previous loan with the cooperative so she applied for a new loan in the amount of P34,000 as additional capital for the continued growth of her business. She will restock on non-perishable grocery items to sell at her store.

Bebina wishes to see her store to grow like a mini-mart or a supermarket someday.

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
  • 1438
    View loans »
    Philippines Loans Fundraising
  • $59,289,200
    Funds lent in using Kiva
  • 47.6
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $725 helped Bebina to buy more groceries to sell.
100% repaid
Repayment Term
5 months (Additional Information)
Repayment Schedule
Sep 17, 2009
Sep 29, 2009
Currency Exchange Loss:
Jan 15, 2010