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This is Jocelyn C., a 39-year-old store owner from Pasay City. She lives with her husband, Noel, 42, a computer animator, and their three children, two of whom go to school.

Jocelyn has been running her general store for ten years now, and due to insistent consumer demand, she also started selling electronic load credits for mobile phones. She now earns close to 10,000 PHP a month.

She became a member of the Center for Community Transformation (CCT) Credit Cooperative in 2002. She is now applying for a loan in the amount of 15,000 PHP for the continuous operation of her business. She will buy a more grocery items and additional refreshments (soft drinks). Some of the funds will be used for her home renovation.

It has been her dream to own a new house and property for her kids.

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
  • 1166
    View loans »
    Philippines Loans Fundraising
  • $63,466,825
    Funds lent in using Kiva
  • 47.2
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $325 helped Jocelyn to purchase more groceries.
100% repaid
Repayment Term
7 months (Additional Information)
Repayment Schedule
Oct 8, 2009
Oct 28, 2009
Currency Exchange Loss:
Apr 15, 2010