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This is Victoria, 55, a resident of Dasmarinas, Cavite, Philippines. Her husband, Leonardo, is her business partner. They manage their household while operating the business. At this time, she is working hard to provide income for her everyday expenses.

Victoria operates a variety store, which is a small convenience store that sells groceries, toiletries and beverages to the neighborhood. People can buy one sachet of shampoo, a Php5-worth of cooking oil, or an egg. Victoria earns by getting supplies at wholesale prices and selling by the piece. Her store is next to her house. Her regular customers are her neighbors and the local community. She earns a minimum of Php500 in sales every day.

To help her continue her business, she is requesting a Php 10,000 loan. She will use it to buy groceries, toiletries and beverages to expand her product inventory. She expects a boost in her business income as she expands her business.

Victoria hopes her business will grow in the coming years and dreams of giving her child a good future and high-quality education through her hard work. She meets with her co-fellowship* members to share stories of her work every week 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 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
  • 691
    View loans »
    Philippines Loans Fundraising
  • $63,147,100
    Funds lent in using Kiva
  • 42.2
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $250 helped Victoria to pay for grocery items and products needed in her business.
100% repaid
Repayment Term
7 months (Additional Information)
Repayment Schedule
Jun 6, 2012
Jun 24, 2012
Currency Exchange Loss:
Mar 15, 2013