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This is Joemar, 42, a resident of Tanza, Cavite, Philippines. He is single and works hard to sustain himself and continually provide income for his everyday expenses.

Joemar operates a food stall where he sells fish balls. In the Philippines, fish balls are commonly sold at street stalls; they are served skewered and can be dipped in different kinds of sauces. Fish balls are somewhat flat in shape and often made with the meat of a cuttlefish. His other products include squid balls and quail eggs. His regular customers are his neighbors and the local community. He earns a minimum of 200 Philippines pesos (PHP) in sales every day.

To help him continue his business operations, he is requesting an 11,000 PHP loan. He will use the loan to buy more fish ball products and other ingredients needed in his business. He expects a boost to his income as he expands his business.

Joemar hopes to be able to expand his business soon. He faithfully meets up with his fellowship* co-members to share stories of his work every week and where he can also draw strength and inspiration from the Word of God that he 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
  • 1241
    View loans »
    Philippines Loans Fundraising
  • $63,466,825
    Funds lent in using Kiva
  • 43.7
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $275 helped Joemar to pay for additional stocks of fish ball products needed for his business.
100% repaid
Repayment Term
7 months (Additional Information)
Repayment Schedule
May 3, 2012
Jun 2, 2012
Currency Exchange Loss:
Nov 15, 2012