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This is Albina, 42, a resident of Manila, Philippines. She is the mother of 5 children and married to Antonio, a vendor. By the grace of God, Albina has managed to support her older children's schooling. At this time, she is working hard to send her children to college and to continually provide income for their everyday expenses.

Albina operates a buy and sell business. What she basically does is buy general merchandise from wholesalers and sell it piecemeal with a little profit. Products can range from furniture to household appliances, electronic devices, clothing and other products of the like. One of the products is belts, but what she focuses on selling right now are kitchen utensils. Customers are attracted to buy from her due to the low prices and the many options they are offered. Albina's regular customers are her neighbors and the local community. She earns a minimum of 200 PHP in sales every day.

To help her continue to operate her business, she is requesting a loan of 25,000 PHP. She will utilize the loan to buy more quantities and varieties of products to expand her product inventory. She expects a boost in her business income as she expands her business.

Albina dreams of being able to give her children a good and high quality education through all the hard work on her business. She also hopes to expand her business. She faithfully meets with her co-fellowship* members every week to share stories of her work and to also 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 pay 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
  • 1642
    View loans »
    Philippines Loans Fundraising
  • $60,717,100
    Funds lent in using Kiva
  • 41.8
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $600 helped Albina to pay for additional stock of supplies and products needed in her business.
100% repaid
Repayment Term
5 months (Additional Information)
Repayment Schedule
Jun 14, 2012
Jul 7, 2012
Currency Exchange Loss:
Oct 15, 2012