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Rose is 53 years old and lives in Silang, Cavite, Philippines. Her husband Andres is a machine operator, and they have several children, all of whom are working. She makes a living by running a variety store and a food stall. She also rents video karaoke machines and earns at least PHP 624 a day.

She is applying for a loan for PHP 21,000 loan to buy groceries, toiletries and beverages to expand her product inventory, and to maintain her video karaoke machines. She expects to increase her income as she expands her business. She faithfully meets up with her co-fellowship* members to share stories of her work every week and 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 repay 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
  • 745
    View loans »
    Philippines Loans Fundraising
  • $63,312,675
    Funds lent in using Kiva
  • 43.6
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $500 helped Rose to restock her variety store.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
May 23, 2011
Jun 22, 2011
Currency Exchange Loss:
Dec 15, 2011