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This is Rizalyn, 39, a resident of Cabrera, Pasay, Philippines. She is married to Alberto, a worker, and she is a mother to their children. She, together with her husband, manages their household while operating the business. She works hard to provide income for their everyday expenses. She has been in this business for 10 years now.

Rizalyn operates the family's buy and sell business. What she basically does is buy general merchandise from wholesalers and sell them for a little profit. Her products are men and women’s clothes and other similar products. Customers are attracted to buy due to the low selling prices and the many options she offers. Her regular customers are her neighbors and the local community. She earns a minimum of 300 Philippine Pesos (PHP) in sales every day.

To help her continue operations of her business, she is requesting a PHP 20,000 loan. She will be utilizing the loan to buy RTW products and merchandise items like polo shirts, shirts and shorts for kids to expand her product inventory.

Rizalyn dreams of having her own stall so she wouldn’t hane to rent anymore and hopes to give her children a good life and a future. She meets up with her co-fellowship* members to share stories of her life and business 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
  • 1062
    View loans »
    Philippines Loans Fundraising
  • $63,443,175
    Funds lent in using Kiva
  • 40.6
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $500 helped Rizalyn to pay for additional merchandise like polo shirts, shirts and shorts for kids needed in her business.
100% repaid
Repayment Term
7 months (Additional Information)
Repayment Schedule
Feb 8, 2013
Feb 23, 2013
Currency Exchange Loss:
Aug 17, 2013