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Norma J., aged 49, is a resident of Caloocan City, Philippines. She is married to Rogelio J., a driver, and is the mother of two children, both of whom are studying. The elder child is in high school while the other is enrolled in elementary. By the grace of God, Norma has managed to support her children's schooling. At this time, she is working hard to be able to send both of them all the way through college. This is a dream for most Filipino parents like Norma as she herself has been a college undergraduate and believes that a college diploma is the best inheritance parents can leave to their children.

Norma maintains a variety store and a direct selling business. She sells clothing, footwear, undergarments, cosmetics, frozen cuts of meat and other products mostly through the popular direct selling brand, Avon, and a popular local meat brand. A customer's order is bought in cash by the dealer and then given to the customer with a one-month-to-pay credit. The dealer’s cost price is lower than the price in the catalogue, and these are the profits that dealers earn as their income. Her regular customers are her neighbors and the local community. She earns a minimum of PHP 600 in sales every day from her variety store and direct selling business.

To help her continue operating her business, she is requesting a PHP 10,000 loan. She will be utilizing the loan to buy orders for her customers. She expects a boost in her business income as she expands her business.

Norma dreams of being able to give both her children a good, high quality education through all her hard work on her business. 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 microfinance 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
  • 1880
    View loans »
    Philippines Loans Fundraising
  • $60,984,950
    Funds lent in using Kiva
  • 43.4
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $250 helped Norma to buy orders for her customers.
100% repaid
Repayment Term
5 months (Additional Information)
Repayment Schedule
Sep 14, 2010
Oct 15, 2010
Currency Exchange Loss:
Jan 15, 2011