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This is Amelia, 62, a resident of GMA, Cavite, Philippines. Her husband is Emmanuel, who is retired. She and her husband manage their household while operating her business. She works hard to continually provide income for their everyday expenses.

Amelia operates a variety store. In the Philippines, a variety store is basically a small convenience store, which sells groceries, toiletries and beverages to the local neighborhood. It is the place to go to buy one sachet of shampoo, a small amount of cooking oil, or an egg. She earns profit by buying supplies at wholesale prices and selling at retail. She also sells honey bee products for additional income. Her store is located adjacent to her house. Her regular customers are her neighbors and the local community. She earns a minimum of 400 Philippine Pesos (PHP) in sales every day.

To help her continue operations of her business, she is requesting a PHP 17,000 loan. She will use the loan to buy groceries, toiletries, beverages and other products to add to her inventory. She expects a boost in her business income as she expands her business.

Amelia hopes to be able to expand soon, just as she dreams to be able to give her family a good future through all her hard work on her business. She faithfully meets up with her co-fellowship* members to share stories of her work every week and 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 repay 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
  • 1854
    View loans »
    Philippines Loans Fundraising
  • $61,001,400
    Funds lent in using Kiva
  • 43.3
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $400 helped Amelia to pay for grocery items and products needed in her business.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Oct 27, 2011
Nov 25, 2011
Currency Exchange Loss:
May 15, 2012