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This is Marisa Sto. D., 30, a resident of Silang, Cavite City, Philippines. She is married to Nepumoceno Sto. D., a driver. She is also the mother of two children: one in high school and one in elementary school. By the grace of God, Marisa has managed to support her children's schooling. At this time, she is working hard to be able to send both of her children all the way through college. This is a dream for most Filipino parents like Marisa, as she herself has been a college undergraduate and believes that a college diploma is the best inheritance parents can give to their children.

Marisa operates a variety store; she also oversees operations of their tricycle and maintains their piggery. In the Philippines, a variety store is basically a small convenience store, which sells groceries, toiletries, and beverages to the local neighborhood. It is the place to go to buy one sachet of shampoo, a small amount of cooking oil, or an egg. She earns her income by getting supplies at wholesale prices and selling them at retail prices by the piece. Her store is located adjacent to her house. Her regular customers are her neighbors and the local community. She earns a minimum of PHP 300 in sales every day.

To help her continue operating her business, she is requesting a PHP 18,000 loan. She will be utilizing the loan to buy more quantities of products like groceries, toiletries, and beverages in order to expand her product inventory. She expects an increase in her business income as she expands her business.

Marisa dreams to be able to give all her children a high quality education through all her hard work in her business. She also hopes to have her house renovated by the end of the year. She 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. 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
  • 1078
    View loans »
    Philippines Loans Fundraising
  • $63,436,400
    Funds lent in using Kiva
  • 45.0
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $400 helped Marisa to purchase products for variety store.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Aug 25, 2010
Sep 4, 2010
Currency Exchange Loss:
Feb 15, 2011