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In life, all things are possible. Liza Q., 39, banks on this optimistic truth and applies it to her life. She reached only high school, but being a community partner of CCT* gives her the hope of running a profitable business. She is one of CCT's Community Servant Leaders as a volunteer. Liza is married to Roberto, who operates a tricycle (taxi). Their family of four children lives in Binondo, Manila.

Liza does direct selling. She orders products from the local beauty brands, Personal Collection and M. S. E., based on the preferences of her customers. Also, she sells vaioius other items, from diapers to eggs. Her 16-year old daughter helps her with the business. Liza has been doing this for 15 years. She earns a monthly income of Php10,000.

To help her grow her business, she has applied for a Php30, 000 loan. She needs this to purchase additional stock.

The difficulty of collecting payments for the ordered products is Liza’s primary business concern. She also worries about the maintenance of the tricycle. Liza prays for a breakthrough in the growth of her businesses. She believes that, like many things, this is possible.

*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
  • 2102
    View loans »
    Philippines Loans Fundraising
  • $61,219,850
    Funds lent in using Kiva
  • 43.7
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $700 helped Liza to purchase stock ordered in advance by customers.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Feb 10, 2011
Feb 25, 2011
Currency Exchange Loss:
Sep 15, 2011