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Vivian C.’s hands are always full attending to her array of businesses. She is 45 years old and lives along Leveriza Street in Pasay City with her husband Edwin, aage 40, and their nine children.

Vivian's general store is her largest source of income. She also rents an extension of their house to student boarders and transients, she sells cosmetics and apparel, and she sells electronic load credits for mobile phones. She juggles all these business activities. Her combined monthly income reaches P 68,000.00 per month. She budgets her profit for her family’s daily basic needs, especially the education of her children.

Vivian is now on her 6th loan from the Center for Community Transformation (CCT) Credit Cooperative. She is applying for a new loan of P 25,000.00 to use as additional capital for her businesses. She will use part of the loan proceeds to purchase grocery items for her general store. Some will be used for her mobile phone electronic load credits.

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
  • 1640
    View loans »
    Philippines Loans Fundraising
  • $60,717,100
    Funds lent in using Kiva
  • 46.9
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $550 helped Vivian additional capital.
100% repaid
Repayment Term
7 months (Additional Information)
Repayment Schedule
Oct 7, 2009
Oct 19, 2009
Currency Exchange Loss:
Apr 15, 2010