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Meeting life’s challenges head on is a habit that could be developed only by the brave. Roswil T., 32, does just that. Roswil is only a high school graduate but right now she manages her own micro-business as she learns entrepreneurship as a community partner in CCT*. She is married to a vendor, Renato, and mothers her three children, two of whom are still studying in elementary school while the other one is not yet of school age. Together, they live in Brgy. Commonwealth, Quezon City, Philippines.

Roswil takes the opportunity of selling turnips in her local community as summer is the best season for turnips in the Philippines. She buys these vegetables from wholesalers and retails the same ones with minimal mark up. Monthly, she earns an estimated net income of around 10,000 Philippines pesos (PHP).

To help her grow her business, she is requesting a 20,000 PHP loan. She plans to use this loan to purchase sacks of turnips to sell in her local community. She expects a boost in her business income as she expands her business.

Roswil acknowledges that no challenges is too hard to deal with. She knows that the Lord will enable her to overcome and uphold the future of both her children and her business. 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 reads.

*All CCT community partners and 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
  • 727
    View loans »
    Philippines Loans Fundraising
  • $63,194,275
    Funds lent in using Kiva
  • 43.3
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $475 helped Roswil to pay for sacks of turnips for selling.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Apr 14, 2011
Apr 26, 2011
Currency Exchange Loss:
Sep 15, 2011