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Goals are nothing unless one takes the effort to meet them. Rowena B., 35, knows this, and gives her best to accomplish the goals she has set for herself and her family. She finished her high-school education and is married to Renante B., her business partner. They have been blessed with two children, both of whom are in high school now. Together, they live in Pasay City, Philippines.

Rowena presently runs a sari-sari (variety) store that caters to needs that are more immediate than the nearest grocery in the community. Alongside this, she also manages their own mineral-water refilling station, which is located adjacent to their house. With the help of her husband, they were able to raise at least a minimum gross sales of around 1,000 Philippines pesos (PHP) every day.

To help her continue operation of her business, she decided to borrow 16,000 PHP. She will use this to buy goods that her customers prefer for her store. She will see to it that her store will not lack any valuable thing that her customers need, so that they will make hers their number one sari-sari store in the community.

Rowena learned the value of improving one’s business, and thus works to innovate hers. She does not emphasize any problem she encounters but rather focuses on its solution. Goals cannot be met just by identifying the problem, but by acting on them. One most important goals she has in mind is to support her children until their college graduation, with which she will feel most fulfilled. She also looks forward to having their own house and lot someday.

As CCT community partner, she faithfully attends to their weekly fellowship* meeting where she can also draw strength and inspiration from the Word of God she receives.

*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
  • 1932
    View loans »
    Philippines Loans Fundraising
  • $61,097,225
    Funds lent in using Kiva
  • 44.1
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $375 helped Rowena additional stock for her variety store.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Jan 24, 2011
Jan 28, 2011
Currency Exchange Loss:
Aug 15, 2011