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This is Leonora S., a 35 year old store owner. She lives with her husband and five children in Camarin, Caloocan City.

Leonora owns and manages a variety (general) store. Beside it is her husband’s barber shop which she also manages. They’ve been in business for five years. The barber shop earns P10,000 a month while her store makes P14,000 monthly, enough to sustain their family’s basic daily needs.

Leonora is applying for a new loan of P16,000 with the Center for Community Transformation (CCT) Credit Cooperative as additional capital to purchase goods to sell at her store. It has been Leonora’s long sought-after dream to have a grocery store of her own.

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
  • 861
    View loans »
    Philippines Loans Fundraising
  • $63,374,250
    Funds lent in using Kiva
  • 47.6
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $350 helped Leonora to use as additional capital for her general store.
100% repaid
Repayment Term
7 months (Additional Information)
Repayment Schedule
Oct 14, 2009
Nov 3, 2009
Currency Exchange Loss:
Apr 15, 2010