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Susan D. S. is a 54-year-old businesswoman who lives in Pasay City with her two children, the eldest of whom is in college and the other is in high school.

Susan loves to multi-task in her business activities. She manages her own general store and at the same time manages an adjacent extension of their house as an apartment for rent. She earns close to P15,000 a month from these business endeavors. She uses her profits to support their daily basic needs including school expenses for her children.

Susan got to know about the Center for Community Transformation (CCT) Credit Cooperative and eventually became a member in 2003 after attending a series of teach-ins conducted by a field staff. The loans provided by the cooperative are helpful in the continuous growth of her general store.

Susan is applying for a new loan in the amount of P22,000 from the cooperative. She will use the funds to buy more grocery items to sell at her store. A portion of the loan proceeds will be used to renovate some rooms in her apartment.

Susan dreams of seeing her children finish their college education. She said that education is the only gift she can leave her children.

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
  • 2113
    View loans »
    Philippines Loans Fundraising
  • $61,219,850
    Funds lent in using Kiva
  • 47.6
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $475 helped Susan to purchase more groceries for her store and to renovate her rental apartment.
100% repaid
Repayment Term
7 months (Additional Information)
Repayment Schedule
Sep 2, 2009
Sep 30, 2009
Currency Exchange Loss:
Mar 15, 2010