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Emerita
Emerita B., 57, is a widow who lives in Malibay, Pasay City. She owns a general store located on an alley in front of her house. She has been in business for nearly 20 years and earns more than 12,000 Philippine pesos (PHP) a month.


Emerita joined the Center for Community Transformation Credit Cooperative (CCT) in 2003. The loans provided by the cooperative have helped sustain her business. She is now applying for a 17,000 PHP loan from CCT which she will use to expand her store by purchasing more items to sell. She wishes to have a better place to conduct her business. She has also been dreaming of having her own house and lot for her children.


About CCT
The Center for Community Transformation (CCT) is an organized Christian response to poverty and social injustice. It is carried out through the fusion of social development initiatives and an evangelical mission in a uniquely Filipino context. CCT 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
  • 1460
    View loans »
    Philippines Loans Fundraising
  • $59,362,100
    Funds lent in using Kiva
  • 46.7
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $375 helped Emerita to purchase more grocery items to sell.
100% repaid
Repayment Term
7 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Nov 3, 2009
Listed
Dec 1, 2009
Currency Exchange Loss:
Covered
Ended:
May 15, 2010