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A Spanish proverb goes, "An ounce of blood is worth more than a pound of friendship." Violeta C., 52, knows the importance of the family and seeks ways to solve familial issues. Violeta is a high school graduate. At present she runs her own business as she actively participates in CCT* fellowships as a community partner and runs her household as its head. She lives with her family in Pasay City, Metro Manila.

Violeta sells 3-in-1 coffee manufactured by a brand called DXN. She also buys and sells other merchandise such as rice and apparel. For eight years, she has been working with her home as her commercial space. She usually sells her merchandise to neighbors, community friends, and business connections. With her all-out perseverance, she is able to earn about $233 a month on average.

To help her continue the operation of her businesses, she is requesting a loan of 30,000 PHP. She will use this amount to purchase DXN products such as the 3-in-1 coffee, bottles of vitamins (food supplements), and toothpastes. She also intends to buy sacks of rice for retailing, as well as some apparel for resale. Violeta recognizes the loan as highly helpful in increasing her earnings so that she can meet her family's needs.

Violeta finds it challenging to follow up on the payments of her neighbors, due to the Filipino culture of saving the face of one who refuses or is incapable of paying debts. Another challenge is her children who are already grown up and have their own families, but who refuse to build their own homes and earn their own money. Violeta seeks to find ways to settle both her business and personal issues, and to restore familial relationships. She desires to have her own commercial space. Also, she prays that her children will soon be able to find work.

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.

*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 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
  • 1223
    View loans »
    Philippines Loans Fundraising
  • $63,454,575
    Funds lent in using Kiva
  • 43.6
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $700 helped Violeta to pay for boxes of 3-in-1 coffee ordered in advance by customers and also to pay for sacks of rice for resale.
100% repaid
Repayment Term
7 months (Additional Information)
Repayment Schedule
Mar 8, 2011
Mar 30, 2011
Currency Exchange Loss:
Sep 15, 2011