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Teodora T. is a 53-year-old businesswoman from Binondo, Manila. She got into business many years ago. She manages her own sari-sari (general) store. She also maintains a coin-operated video-karaoke machine. She earns a total net income of more than P11,000.00 a month from these business activities. She saves most of her profits so she has something to pull out of her pocket in times of emergencies.

She became a member of the Center for Community Transformation (CCT) Credit Cooperative in 2005. Teodora applied for a new loan of P12,000.00 as additional capital for her businesses. She is due to purchase more grocery items for her general store. Her video-karaoke machine also needs preventive maintenance.

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
  • 1492
    View loans »
    Philippines Loans Fundraising
  • $59,411,500
    Funds lent in using Kiva
  • 47.1
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $275 helped Teodora to purchase more grocery items to sell and to maintain her video-karaoke machine.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Oct 29, 2009
Dec 6, 2009
Currency Exchange Loss:
Mar 15, 2010