Norietta runs a general merchandise store in the Harbour Center at Manila's International Container Terminal, a seaport. She sells accessories and ready-to-wear clothing as well as cosmetics, shoes and apparel. She earns an income of P8,000 a month from her work and uses most of that money to educate her children.
Norietta is a pioneer member of the Center for Community Transformation (CCT) Credit Cooperative in Intramuros. She joined the cooperative in 1998 and been active in all of its programs and activities. She is now on her 18th loan, for P17,000, which she will use to expand her businesses.
Norietta dreams of having her own store so she won’t need to pay a monthly fee to the vendors’ association where she leases her small shop.
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.
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 TransformationThe 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.
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