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This is Josephine, 39, a resident of Bacoor, Cavite, Philippines. She is married to Sonny, a dentist, and a mother to her two children. She, together with her husband, manages their household while operating the business. At this time, she is working hard to continually provide income for their everyday expenses.

Josephine operates a school supplies business. It is where one can buy school supplies, like pens, bond paper, cartolina and the like, without going to a bookstore. She gets the supplies at wholesale prices and sells them by the piece. Her store is located adjacent to her house. Her regular customers are her neighbors and the local community. She earns a minimum of Php 500 in sales every day.

To help her continue operations of her business, she is requesting a Php 13,000 loan. She will be utilizing the loan to buy school supplies to expand her product inventory. She expects a boost in her business income as she expands her business.

Josephine dreams of giving her children a good and high quality education through all her hard work on her business. She faithfully meets up with her co-fellowship* members to share stories of her work every week and 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 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
  • 2098
    View loans »
    Philippines Loans Fundraising
  • $61,204,950
    Funds lent in using Kiva
  • 43.4
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $300 helped Josephine to pay for additional stock of school supplies and products needed in her business.
100% repaid
Repayment Term
9 months (Additional Information)
Repayment Schedule
Apr 30, 2012
May 30, 2012
Currency Exchange Loss:
Dec 15, 2012