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This is Carla, thirty-six, resident of Quezon City, Philippines. She is married to Fred, a driver, and is a mother of three children, one in high school and two in elementary. While attending to her family needs, she also kept herself busy with her business as her way of helping her husband in sustaining daily expenses.

Carla owns a variety store. She buys groceries like canned goods, condiments, milk and sugar: primary commodities that are needed in every household. She earns money by getting supplies at wholesale prices and selling by the piece. Her store is located adjacent to her house. She is also into a piggery business. Her regular customers are her neighbors and the local community. She earns a minimum of PHP 1,000 Philippine Peso in sales every day.

To help her continue operations of her business, she is requesting a PHP 19,000 loans. She will be using the loan to buy more grocery items. The more items displayed at the store the better. It will help her to save more money for any possible expenditure ahead.

Carla hopes that her variety store will turn into a grocery someday. She hopes that it will continue to grow and sustain the needs of her family. She wishes that her children will be able to finish their studies and have a good life. She is active in attending the weekly fellowship* as it helps to learn a lot from the Bible. Sharing the word of God completes her.

* 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 Micro Finance 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
  • 2093
    View loans »
    Philippines Loans Fundraising
  • $61,189,400
    Funds lent in using Kiva
  • 43.0
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $450 helped Carla to pay for grocery items and products needed in her business.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Feb 20, 2012
Mar 21, 2012
Currency Exchange Loss:
Jul 15, 2012