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This is Josephine. She is 35 years old and is a resident of Lungos, Tanza, Cavite, Philippines. She is married to Rifolimio, a photographer, and is the mother to four children – three are in elementary school and the youngest is not yet of school age. By the grace of God, Josephine has managed to support all her children’s educational needs. At the present time she is working hard to be able to maintain the finances to meet her family's daily needs.

Josephine operates a photography/videography service. She accepts orders to photograph/video wedding and other special occasions. Her husband is the main photographer/videographer while she handles finances, accounts, inventories and promotion. She also manages a business retailing electronic load/credits for all mobile users in her community. Josephine has been operating these businesses for five years. Monthly, she is able to earn an estimated net income of around Php7,000.

To help her continue the operations of her businesses, Josephine is requesting a loan for Php16, 000. She will be utilizing the loan to buy additional films, frames, and batteries for her photography/videography service. She expects a boost in her income as she expands her business.

Josephine dreams of being able to give her children a good and high quality education through all her hard work in her businesses. She faithfully meets up with her co-fellowship members to share stories of her work every week, where she can also draw strength and inspiration from the Word of God she studies.

* 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
  • 1878
    View loans »
    Philippines Loans Fundraising
  • $60,984,950
    Funds lent in using Kiva
  • 43.4
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $375 helped Josephine buy supplies for her photography business.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
May 17, 2011
May 28, 2011
Currency Exchange Loss:
Dec 15, 2011