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This is Carme, 43, a resident of Manila, in the Philippines. His wife is Liberty, a midwife. Together with his wife, Carme manages their household while operating a variety store. In the Philippines, a variety store is basically a small convenience store which retails groceries, toiletries and beverages piecemeal to the neighborhood. It is the place to go to buy one sachet of shampoo, PHP 5-worth of cooking oil, or an egg. He earns a profit by purchasing inventory at wholesale prices and selling by the piece. His store is located adjacent to his house, and his regular customers are his neighbors and the local community. He earns a minimum of 350 PHP in sales each day. At this time, he is working hard to continually provide income for his family’s everyday expenses.

To help him continue operating his business, Carme is requesting a PHP 30,000 loan. He will use the money to buy groceries, toiletries and beverages that will expand his product inventory. He expects a boost in his income as he expands his business. He hopes to be able to expand further in the near future. He faithfully meets with his fellowship* co-members to share stories of his work every week and also to 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 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
  • 1197
    View loans »
    Philippines Loans Fundraising
  • $63,466,825
    Funds lent in using Kiva
  • 41.3
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $750 helped Carme to buy groceries, toiletries and beverages that will expand his product inventory.
100% repaid
Repayment Term
7 months (Additional Information)
Repayment Schedule
Oct 10, 2012
Oct 30, 2012
Currency Exchange Loss:
Apr 17, 2013