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This is Joselito, 46, resident of Silang, Cavite, Philippines. He is married and is a father to their children. He manages their household while operating the business. At this time, he is working hard to continually provide income for their everyday expenses.

Joselito operates a variety store. In the Philippines, a variety store is basically a small convenience store, which retails groceries, toiletries, and beverages, piecemeal, to the local neighborhood. It is the place to go to buy one sachet of shampoo, a PHP 5-worth of cooking oil, or an egg.

Joselito earns by getting supplies at wholesale prices and selling by the piece. His store is located adjacent to his house. His regular customers are his neighbors and the local community. He earns a minimum of PHP 350 (Philippine Pesos) in sales every day.

To help him continue operations of his business, Joselito is requesting a PHP 15,000 loan. He will be utilizing the loan to buy groceries, toiletries, and beverages to expand his product inventory. He expects a boost in his business income as he expands his business.

Joselito dreams to expand his business and hopes to give his children a good life and education. Every week, he meets up with his co-fellowship* members to share stories of his life and business and also draw strength and inspiration from the Word of God he studies.

* All Center for Community Transformation Credit Cooperative (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
  • 830
    View loans »
    Philippines Loans Fundraising
  • $63,369,350
    Funds lent in using Kiva
  • 40.7
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $375 helped Joselito to pay for grocery items, toiletries, and beverages needed in his business.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Feb 26, 2013
Mar 7, 2013
Currency Exchange Loss:
Sep 17, 2013