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This is Romel, 39, a resident of Taguig, Philippines. His wife is Teresa, and he is a father to his children. He, together with his wife, manages their household while operating the business. At this time, he is working hard to continually provide income for their everyday expenses.

Romel operates a buy and sell business. What he basically does is buy general merchandise from wholesalers and sell them with a little profit. His products are shoes and slippers for men and women. Customers are tempted to buy due to the low selling prices and the many options he offers. His regular customers are his neighbors and the local community. He earns a minimum of 300 Philippine Pesos (PHP) in sales every day.

To help him continue operations of his business, he is requesting a PHP 50,000 loan. He will be using the loan to buy RTW products and merchandise to expand his product inventory. He expects a boost in his business income as he expands his business.

Romel hopes to be able to expand his business in the coming years and dreams of giving his family a good future. He faithfully meets up with his co-fellowship* members to share stories of his work every week and draw strength and inspiration from the Word of God 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 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
  • 1610
    View loans »
    Philippines Loans Fundraising
  • $60,713,650
    Funds lent in using Kiva
  • 42.4
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,200 helped Romel to pay for additional merchandise to sell.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Jul 19, 2012
Sep 1, 2012
Currency Exchange Loss:
Dec 15, 2012