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Adelaida A., 55, is making sure that her family has enough provisions for their daily needs. Married to Nestor Ogaro, they are blessed with 10 children, five of whom are already working. Having a big family, both of them make sure that they earn enough for their family’s basic needs. She and her husband have been managing her own variety store for more than 14 years.

Adelaida has been a regular member of Center for Community Transformation* (CCT) for more than seven years 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 several times from CCT’s cooperative. She is consistent in paying her dues because she used all the money she borrowed to buy added stocks in her variety store. Her business lets her earn a net profit of 9,000 Philippine pesos (about $197 US) per month.

Now with your help, she would like to get a loan of 24,000 pesos. This amount will be used as a source of added capital for her expanding business by buying additional stocks for her store.

She dreams that her three children who are still studying can ultimately graduate from college so that they too can have a better life.

* 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

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
  • 1226
    View loans »
    Philippines Loans Fundraising
  • $63,466,825
    Funds lent in using Kiva
  • 45.9
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $525 helped Adelaida increasing store inventory.
100% repaid
Repayment Term
7 months (Additional Information)
Repayment Schedule
Dec 9, 2009
Jan 8, 2010
Currency Exchange Loss:
Jun 15, 2010