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Julieta A., 38, is eager and excited with her business of buy and selling cosmetics and other skin care products. Married to Nolito A., a laborer in a private company, they are blessed with two children. She makes sure that she helps her husband earn so that their family can have a better life.

Julieta has been a regular member of Center for Community Transformation* (CCT) for more than a year now. She regularly attends their weekly fellowship meetings and pays her weekly dues consistently. Because of her good repayment performance with her previous loans, she was able to borrow four times in CCT’s Cooperative. The reason why she was consistent in paying her dues was because she used almost all the money she borrowed in buying different cosmetic products for her business. Her business now lets her earn PHP 3,500 per month.

Now with your help, Julieta would like to apply for a PHP 10,000 loan. This amount will be mostly used as a source of added capital to her expanding business by buying additional cosmetic products like powder, lotions, deodorant and the like.

She prays that she and her husband can have enough resources so that her children can finish their studies in college.

* All CCT community partners / clients are organized into fellowship groups that meet on a weekly basis. A fellowship group is composed of 15 to 30 community partners. The fellowship groups gather each week to study the Word of God, build social capital, and pay Micro Finance loans.

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

  • $1175
    Average annual income
  • 314
    View loans »
    Philippines Loans Fundraising
  • $52,207,900
    Funds lent in using Kiva
  • 46.5
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $225 helped Julieta to buy additional cosmetic products like powder, lotions, deodorant and the like.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Nov 23, 2009
Jan 1, 2010
Currency Exchange Loss:
Apr 15, 2010