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Some people would love simplicity in life. Amia D. A., 64, would want a simple life, too. Amia only reached elementary school, but she did not allow her life to end simpler than that. She is married to Jaime, and together they raise eight children in their home in Dasmarinas, Cavite.

One strategy Amia employed to fight the curse of a poor educational background is to run her own sari-sari (variety) store near their home. The training and fellowship she experiences in CCT* as a Community Partner enabled her to set it up and continually operate it. With this, she is able to earn around 7,300 Philippines pesos (Php) per month.

Simple as it is, her sari-sari store needs leveling up. Amia is requesting a Php15,000 loan. She needs this money to buy new products to fill her store shelves. Also, she has to replenish her stock of salable items such as noodles and coffee sachets.

Even a simple life is not devoid of struggles, and Amia has her share of those. However, she sees them not worth mentioning. Instead, she speaks of her dream of becoming prosperous and having their own family car. She wants to be assured of her family being well off toward a good future.

As a CCT community partner, she faithfully attends the group's weekly fellowship* meeting 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 bA.. 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
  • 1418
    View loans »
    Philippines Loans Fundraising
  • $59,139,250
    Funds lent in using Kiva
  • 43.6
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $350 helped Amia the purchase of new products for her store.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Jan 23, 2011
Feb 12, 2011
Currency Exchange Loss:
Aug 15, 2011