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This is Jose. He is 58 years old and a resident of Dasmarinas, Cavite, in the Philippines. His wife is Gloria, an OFW (overseas Filipino worker) and mother to their two children. Jose, together with his children, manages their household while operating the business. At this time, he is working hard to continually provide income for their everyday expenses.

Jose operates a variety store. In the Philippines, a variety store is basically a small convenience store that sells groceries, toiletries, and beverages piecemeal to the local neighborhood. It is the place to go to buy one sachet of shampoo, five Philippine pesos worth of cooking oil, or an egg. Jose earns money by getting supplies at wholesale prices and selling by the piece. His store is located adjacent to his house. His regular customers are his neighbors and the local community. He earns a minimum of 350 Philippine pesos (PHP) in sales every day.

To help him continue operating his business, he is requesting a loan of 11,000 PHP. He will be utilizing the loan to buy groceries, toiletries, and beverages to expand his product inventory. He expects a boost in his business income as he expands his business.

Jose hopes to be able to expand soon. He faithfully meets up with his co-fellowship* members to share stories of his work every week. At these meetings, 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
  • 1808
    View loans »
    Philippines Loans Fundraising
  • $60,919,225
    Funds lent in using Kiva
  • 42.1
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $275 helped Jose to pay for grocery items and products needed in his business.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Jun 5, 2012
Jun 22, 2012
Currency Exchange Loss:
Jan 15, 2013