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No matter what ups or downs might happen, life continues to flow. And Remedio, 50, learns to go with the flow while making sure he stays afloat. Remedio only reached high school. At present, he is a community partner in CCT* who actively attends Bible fellowships, trains on how to run a microenterprise, and saves for future business use. He is married to Jessielyn, and together they raise three children. They currently live in Tanza, Cavite.

Remedio has a rolling store – a store on wheels. He sells items that are of good use to customers on a daily basis, such as plastic wares and small appliances. For five years, Remedio has gotten to know what his fellow community members typically look for. With this business, he makes a net income of around 10,000 PHP per month. He manages to keep his business going without any employees at his side.

To help him continue to operate his business, he is requesting a loan of 10,000 PHP. He views this loan as a big boost to his capital, with which he is able to purchase necessary items to expand his product inventory. It is crucial for him to acquire whatever item his customers are looking for, and this loan enables him to do just that.

Life keeps on flowing, and while there is a positive look to it, it also brings challenges to Remedio. One of the uncertainties Remedio feels as he goes along with the flow every day is that he is not certain how they will survive each day, as there is still no concrete means of sustaining his business. One thing he holds to, however, is the business that he has. That is why he makes sure he meets every need of his customers so they will patronize his business and buy regularly from him. Even as he desires sustainability for his business, he prays for a good business space with a low rental rate. He longs deeply to see his children finish school and learn not just to go along with the flow but to make things happen. As a CCT community partner, he faithfully attends the group's weekly fellowship* meeting where he can also draw strength and inspiration from the Word of God he 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
  • 1396
    View loans »
    Philippines Loans Fundraising
  • $59,123,575
    Funds lent in using Kiva
  • 43.4
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $250 helped Remedio to buy assorted household items and accessories to restock his rolling store.
100% repaid
Repayment Term
5 months (Additional Information)
Repayment Schedule
May 17, 2011
May 28, 2011
Currency Exchange Loss:
Sep 15, 2011