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Jenny C., 29, a resident of Commonwealth, Quezon City, Philippines, is married to Cubreguito C., a vendor; she is the mother of two children, one of whom is in elementary school, while the youngest is toddling around at home. By the grace of God, Jenny has managed to support her older child's schooling. At this time, she is working hard to be able to send her children all the way through college, a dream of most Filipino parents like Jenny who herself has been a college undergraduate and believes that a college diploma is the best legacy parents can give to their children.

Jenny operates a variety store. In the Philippines, a variety store is basically a small convenience store which retails groceries, toiletries and beverages piecemeal to the local neighborhood. It is the place to go for to buy one sachet of shampoo, a Php5-worth of cooking oil, or an egg. Her store is located adjacent to her house, and her regular customers are her neighbors and the local community. She earns a minimum of Php300 in sales every day.

To help her continue operation of her business, Jenny is requesting a Php21,000 loan to buy more quantities of products including groceries, toiletries and beverages to expand her product inventory. She expects a boost in her business income as she expands her business.

Jenny dreams of being able to give her all her children a good and high quality education through all of her hard work on her business. She dreams of becoming a successful businesswoman someday, and faithfully meets up with her co-fellowship members to share stories of her work every week.

* 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 who 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
  • 1078
    View loans »
    Philippines Loans Fundraising
  • $63,436,400
    Funds lent in using Kiva
  • 45.1
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $475 helped Jenny to buy more quantities of products to expand her inventory.
100% repaid
Repayment Term
7 months (Additional Information)
Repayment Schedule
Aug 12, 2010
Sep 1, 2010
Currency Exchange Loss:
Dec 16, 2010