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“We cannot make good news out of bad practice,” Edward R. Murrow said. Nieva S., 52, makes sure there is good news about her business to tell about. Nieva reached only elementary school; now, she is running her own business. She is married to a driver named Jose and is a mother to three children. Their family resides in Caloocan City, Metro Manila.

It is Nieva’s business to deliver daily news to her community by making the local newspapers more accessible to them. She is a newspaper dealer earns around Php12,500 every month. This job is something Nieva really enjoys as she gets hold of the daily news first and is able to witness immediate reactions of her fellow community members upon the sight of the news for the day.

To help her sustain her business, Nieva is borrowing the amount of Php 50,000. The money will be used mainly to order newspapers; part of the money will go to pay other bills. Nieva also mentioned saving up to be able to establish another personal business. This loan will go far toward enabling her to get to that dream and make it happen soon.

Nieva admits her work is tiring, but emphasizes that she enjoys doing it no matter how exhausting it can be. She makes certain that she implements good practice to offer good service to her community. She desires for more success to her business, so that she can be able to help others, especially her family.

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 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 repay 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
  • 1845
    View loans »
    Philippines Loans Fundraising
  • $61,096,775
    Funds lent in using Kiva
  • 43.6
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,150 helped Nieva ordering newspapers.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Feb 16, 2011
Feb 25, 2011
Currency Exchange Loss:
Jul 15, 2011