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This is Margie, who is 32 and a resident of Silang Cavite, Philippines. Her husband is a local policeman and the father of their two children who are already in grade school. Margie, together with her husband and children, manages her household while operating a variety store. In the Philippines, a variety store is basically a small convenience store, which retails groceries, toiletries and beverages piecemeal to the local neighborhood. It is the place to go to buy a sachet of shampoo, 5 PHP-worth of cooking oil, or an egg. Margie earns a profit by getting supplies at wholesale prices and selling by the piece. Her store is located adjacent to her house and her regular customers are neighbors and local community members. She earns a minimum of 500 PHP in sales every day.

Margie is requesting a 10,000 PHP loan to help continue to operate her business. She will use her loan to buy groceries, toiletries, and beverages to expand her product inventory. She expects a boost in her business income as she expands her business. Margie fervently hopes that her children will be able to finish their studies and graduate one day. As a CCT community partner, she faithfully attends her group's weekly fellowship* meeting where she can also draw strength and inspiration from the Word of God.

* All CCT community partners and clients are organized into fellowship groups that meet on a weekly basis. A fellowship group is composed of 15 to 30 community partners. 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
  • 864
    View loans »
    Philippines Loans Fundraising
  • $63,374,250
    Funds lent in using Kiva
  • 43.5
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $250 helped Margie to buy items and products to sell.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Nov 17, 2011
Dec 8, 2011
Currency Exchange Loss:
Apr 15, 2012