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This is Julieta, 39, a resident of Manila, Philippines. She is married to Alimoderene, a driver and father to her children. She manages her household while operating a business. Now, she is working hard to continually provide income for her family's everyday expenses.

Julieta operates a shop. She buys general merchandise from wholesalers and sells it for a little profit. Her products are men and women’s clothes and other products of the like. Customers are attracted by the low prices and the many options she offers. Her regular customers are her neighbors and the local community. She earns a minimum of 300 PHP in sales every day.

To help her continue her business operations, she is requesting a 10,000 PHP loan. She will use the loan to buy jackets, shirts for men and women, shorts, sandals and other ready-to-wear products needed to expand her product inventory. She expects a boost in her business income as she expands her business.

Julieta hopes to be able to expand her business and dreams of giving her children a quality education. She faithfully meets up with her co-fellowship* members to share stories of her work every week and 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
  • 1450
    View loans »
    Philippines Loans Fundraising
  • $59,289,200
    Funds lent in using Kiva
  • 41.0
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $250 helped Julieta to pay for additional stocks of clothes to sell.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Oct 31, 2012
Nov 27, 2012
Currency Exchange Loss:
Mar 15, 2013