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Teresita D. is a 48 year old single mother. She lives with her two children, who are both enrolled in college, in Malaria, Caloocan City. Teresita has been in business for the last 18 years. She started small, just like any other entrepreneur, but her hard work and perseverance paid off. Her general store now qualifies to be called a mini-grocery store. Life, however, took a turn on her, her husband passed away a few years back but she didn’t lose hope. She worked hard to sustain their basic daily needs by focusing on her business. Thanks to her faith, she was able to cope. Her monthly income is now P27, 000.00.

She joined the Center for Community Transformation (CCT) Credit Cooperative in 2005. She has been active in inviting other women in her community to her group. She has just finished repaying her previous loan with the cooperative. Teresita is now on her tenth loan cycle and she has applied for a fresh loan in the amount of P50, 000.00. She dreams of having a larger grocery store someday and possible another branch.

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
  • 696
    View loans »
    Philippines Loans Fundraising
  • $63,194,275
    Funds lent in using Kiva
  • 47.0
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,075 helped Teresita to expand her grocery business.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Oct 29, 2009
Nov 9, 2009
Currency Exchange Loss:
Mar 15, 2010