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This is Marlyn, 56, a resident of Manila, Philippines. She is a widow and the mother of three children. She and her children manage their household while operating the business. Marlyn works hard to continually provide income for her everyday expenses.

Marlyn operates a variety store which, in the Philippines, 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 one sachet of shampoo, PHP 5 worth of cooking oil, or an egg. Nenita earns an income by getting supplies at wholesale prices and selling by the piece. Her store is located adjacent to her house and her regular customers are her neighbors and the local community. Marlyn earns a minimum of PHP 500 in sales every day.

To help her continue operations of her business, Marlyn is requesting a PHP 20,000 loan, which she will use to buy groceries, toiletries and beverages to expand her product inventory. She expects a boost in her business income as she expands her business.

Marlyn hopes to be able to expand soon, just as she dreams of being 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 weekly to share stories of her work 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
  • 1859
    View loans »
    Philippines Loans Fundraising
  • $61,075,150
    Funds lent in using Kiva
  • 42.7
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $475 helped Marlyn to pay for grocery items and products needed in her business.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Mar 20, 2012
Apr 23, 2012
Currency Exchange Loss:
Aug 15, 2012