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What is astonishing about Belen A., 38, is the big family that she has. She and her husband, Eugenio, raise a family of seven children. One of them is in college, four are in high school, one studies in elementary, while the youngest is not yet of school age. Belen is determined to make sure that her family stays happy and is well-provided for. They live in Baseco Port Area, Manila.

To meet the needs of her big family, Belen runs a sari-sari (variety) store of her own. Belen also manages the rooms she rents out to boarders. She sees to it that her relationships with these boarders is good so that she can secure a long-term business connection with them. These businesses have been operating for six years now, and through them Belen earns Php12,000 per month on average.

To help her continue operation of her business, she is requesting Php34,000 loan. She intends to use this to replenish store products and maintain the rooms being rented out. With sufficient money on hand she can keep up the good condition of her businesses.

A smooth, peaceful life is what Belen desires. Sometimes, however, there is the challenge of unpaid debts of her customers. Nonetheless, her determination to keep going and keep earning for the future of her children allows her to be strong. She hopes to see all of her children finish college.

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 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
  • 1940
    View loans »
    Philippines Loans Fundraising
  • $61,097,225
    Funds lent in using Kiva
  • 43.7
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $800 helped Belen restocking inventory.
100% repaid
Repayment Term
5 months (Additional Information)
Repayment Schedule
Feb 1, 2011
Feb 25, 2011
Currency Exchange Loss:
Jun 15, 2011