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This is Nancy L., 54, resident of Caloocan City, Philippines. She has two children, one of whom is already working while the younger one stays at home and helps her in managing the household and helping her with the business. By the grace of God, Nancy has managed to support her children's schooling up to college level. At this time, she is working hard to continually provide income for their everyday expenses.

Nancy operates a variety store, and as a sideline she is also raising a few hogs for slaughter. 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 buying one sachet of shampoo, 5 PHP-worth of cooking oil, or an egg. She earns by getting supplies at wholesale prices and selling at piece rate. Her store is located adjacent to her house. Her regular customers are her neighbors and the local community. She earns a minimum of $4.60 in sales every day.

To help her continue operations of her business, she is requesting a 12,000 PHP loan. She will be utilizing the loan to buy more quantities of products like groceries, toiletries and beverages to expand her product inventory. She will also invest a portion of the loan to buy a few more piglets to raise. She expects a boost in her business income as she expands her business.

Nancy dreams of being able to stay physically, mentally and socially strong for her children. She also wants more pigs to raise and sell for meat. 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
  • 859
    View loans »
    Philippines Loans Fundraising
  • $63,374,250
    Funds lent in using Kiva
  • 43.8
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $275 helped Nancy buy more quantities of products like groceries, toiletries and beverages to expand her product inventory.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Nov 24, 2010
Dec 15, 2010
Currency Exchange Loss:
Jun 15, 2011