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Unlike many of her fellow community partners in CCT*, Sapia is still single and has no family of her own to think about. Nonetheless, at 27, Sapia still aims to make her business a success as it is the primary means for her to achieve a sustainable living. She attended college and presently resides near the public market in Tanza, Cavite.

Sapia’s business centers on selling retail items such as bags, toys, watches, and other accessories. She sells these among friends, business acquaintances and fellow community members, who do not see it too imprudent to purchase items which might not be considered essential. Sapia locates her business in the community's public market and for four years she has managed to go without any employees. Monthly, she earns an estimated net income of Php 11,680.

To help her sustain her business, Sapia decides to ask for help from CCT by applying for a loan for Php 30,000. She wants to use this loan to purchase stocks of school bags and socks, as well as other items such as wallets and watches. Sapia sees the loan as crucial in supporting her working capital and bringing about an increase in her profits. She intends to use the profits to sustain her business and her living.

There are many dreams in Sapia’s heart, that is why no matter how big the challenges are, they fail to distract her focus. She dreams of making her business grow and become sustainable, and she is grateful to those people who enable her to achieve it. As a CCT community partner, Sapia faithfully attends the group's weekly fellowship* meeting 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 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
  • 1937
    View loans »
    Philippines Loans Fundraising
  • $61,098,225
    Funds lent in using Kiva
  • 43.4
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $700 helped Sapia to increase her inventory.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
May 19, 2011
May 28, 2011
Currency Exchange Loss:
Dec 15, 2011