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This is Lorna, 42, a resident of Malaria within Caloocan City. She is married to Arbi, a mechanic. She has three children, two of whom are in college and one in high school. Together with her husband and children, she manages the household while working hard to continually provide income for their everyday expenses.

Lorna operates a variety store. In the Philippines, a variety store, or sari-sari, is basically a small convenience store that retails groceries, toiletries and beverages piecemeal to the local neighborhood. It is the place to go to buy one sachet of shampoo, a 5 PHP’s worth of cooking oil, or an egg. Lorna profits by buying supplies at wholesale, then selling them by the piece. Her store is located adjacent to her house.

Lorna also operates a beauty parlor where customers can have their hair styled or nails done. Her regular customers are her neighbors and the local community. Lorna also does direct sales. She earns a minimum of 2000 PHP every day.

To help her continue operations, Lorna is requesting a 37,000 PHP loan from CCT to buy groceries, toiletries and beverages to expand her sari-sari’s inventory. She will also use a part of the loan to buy a hair dryer, a foot spa, a hydraulic chair, and other hair treatments. She expects a boost in her income as she expands her business.

All CCT community members are organized into fellowship groups composed of fifteen to thirty individuals who meet on a weekly basis. There they study the Word of God, build social capital, and repay microfinance loans. Lorna faithfully meets up with her group to share stories of her work every week and draws strength and inspiration from studying the Word of God.

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
  • 878
    View loans »
    Philippines Loans Fundraising
  • $63,381,250
    Funds lent in using Kiva
  • 43.8
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $850 helped Lorna to pay for products needed in her business.
100% repaid
Repayment Term
5 months (Additional Information)
Repayment Schedule
May 3, 2012
May 25, 2012
Currency Exchange Loss:
Sep 15, 2012