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This is Rosemarie L., who is 44 and a CCT community partner in Caloocan City, Philippines. Finishing her college education, Rosemarie is ever determined to break people's low expectations of her. She is married to Henry, an auto welder. They were blessed with two children, one of whom is currently employed and the other one is in tertiary education now.

Rosemarie's home serves both as an abode of rest and a venue for business, because at her home she has set up a sari-sari (variety) store to earn a living. She sells a wide range of products to the neighborhood, which includes items from rice and noodles to detergent powder and soap bars. With this, Rosemarie earns a net average of 400 Philippines pesos (Php) per day.

To help her continue operation of her business, she is requesting a 20,000 (Php) loan. Adding more products to her store is a priority for her to improve her business, and the money from the loan would certainly be used to purchase these additional products. She looks forward to making the store grow and eventually expand.

At present, Rosemarie finds it hard to follow up with customers who do not pay their debts on time. But just like any other hardworking entrepreneur, Evelyn sees to it that no challenge will ever wear her out. She dreams of having a progressive life with her children and being financially stable as well.

*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
  • 1079
    View loans »
    Philippines Loans Fundraising
  • $63,436,400
    Funds lent in using Kiva
  • 44.0
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $475 helped Rosemarie additional stock for her variety store.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Nov 18, 2010
Dec 1, 2010
Currency Exchange Loss:
Jun 15, 2011