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Given a green thumb, Josefina D. V., 57, aims to make best use of her skills and be a blessing to her family and community. Josefina did not manage to reach high school; nevertheless, the dedication she gave to agriculture yielded a personal success which she can be proud of. Josefina is married to Maximo, a farmer, and they have one child, who now works and has a family.

Josefina has a farm where she grows ornamental plants and fruits like bananas and pineapples. This farm is located near their house, so Josefina can easily manage it. Josefina has been running this business for around ten years now, and she sees that more years of growth will be added to her business. Monthly, Josefina earns around Php 11,500.

To help her continue operation of her ornamental farm, she would like to request for a Php20,000 loan. She does so to further help her grow her farm. She intends to use the loan money to buy fertilizers, a crop growth regulator called ethrel, and plastic and wire for the physical maintenance of the farm. She believes that the loan will truly benefit her business, and eventually her family and community.

Frequent typhoons that hit the country also affected Josefina's farm. But despite these storms in her life, she is still determined to see her farm yield many fruits and become more profitable in the years to come. Just as she delights in seeing her plants and crops grow, she will be ever delighted to see her grandchildren grow in all aspects of their lives and become good members of society.

As a CCT community partner, she faithfully attends the group's fellowship* meetings where she can also draw strength and inspiration from the Word of God she received.

*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
  • 739
    View loans »
    Philippines Loans Fundraising
  • $63,295,350
    Funds lent in using Kiva
  • 43.4
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $475 helped Josefina purchase of agricultural supplies for her farm.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Jan 25, 2011
Feb 12, 2011
Currency Exchange Loss:
Aug 15, 2011