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This is Jamela, 25, a resident of Bacoor, Cavite City, Philippines. She is single and manages her own household while operating the business. At this time, she is working hard to continually provide income for her everyday expenses.

Jamela operates a retail business. She buys general merchandise from wholesalers and sells them for little profit. Her products are men and women’s clothing and similar products. Customers are attracted to buy from her due to her low prices and the many options she offers. Her regular customers are her neighbors and members of the local community. She earns a minimum of 1000 Philippine pesos (PHP) in sales every day.

To help her continue to operate her business, she is requesting a PHP 20,000 loan. She will use the loan to buy RTW (ready to wear) products and merchandise items to expand her product inventory. She expects a boost in her business income as she expands her business.

Jamela hopes to be able to expand her business in the coming years. She faithfully meets up with her co-fellowship* members to share stories of her work every week and to 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
  • 773
    View loans »
    Philippines Loans Fundraising
  • $63,325,000
    Funds lent in using Kiva
  • 43.0
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $475 helped Jamela to pay for merchandise and products needed in her business.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Feb 27, 2012
Mar 25, 2012
Currency Exchange Loss:
Jul 15, 2012