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Rosario T. is 49 years old and has been a businesswoman for years. She is married to Alfredo, 52, who drives a motorized tricycle for a living. Two of their three children are now working and the youngest remains in grade school. This happy family lives in Maricaban, Pasay City.

For nine years now, Rosario has been buying and selling small basic household items, including decorated candles, dishwashing solutions, fabric conditioners and even diapers. She earns more than P12, 000.00 a month and even more when there is increased demand for her items, such as for her candles during All Saints’ Day, which is observed countrywide. She’s happy that her earnings can augment her husband’s income to help with their family’s daily needs.

Rosario is among the pioneer members of the Center for Community Transformation (CCT) Credit Cooperative who joined in the summer of 2002. She has just finished repaying a previous loan of P32,000.00 from the cooperative and is now asking for a new loan of P35,000.00 as additional capital for the continued growth of her business. She wishes to improve her business to be able to have an abundant life with her family.

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

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 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
  • 1288
    View loans »
    Philippines Loans Fundraising
  • $57,866,175
    Funds lent in using Kiva
  • 46.7
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $750 helped Rosario to use as additional capital for business growth.
100% repaid
Repayment Term
7 months (Additional Information)
Repayment Schedule
Nov 3, 2009
Nov 20, 2009
Currency Exchange Loss:
May 15, 2010