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Judalyn is 57years old and a resident of Taguig, Philippines. She is a mother and is married to Hugo, a watch technician. Together with her husband they manages their own household while operating a business. At this time, she is working hard to continually provide income for their everyday expenses.

Judalyn operates a watch-repair shop. Her husband is the main technician while she handles finances, accounts, inventories and promotion of their business. They offer repair and check-up of watches. Her regular customers are her neighbors and the local community. She earns a minimum of 1,000 PHP in service fees every day.

To help her continue operations of her business, she is requesting a 13, 000 PHP loan. She will be utilizing the loan to buy spare parts of watches. She expects a boost in her business income as she expands her business.

Judalyn hopes to have another shop soon. She meets up with her co-fellowship members to share stories of her life and business every week and where she also draws 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 pay 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
  • 1940
    View loans »
    Philippines Loans Fundraising
  • $61,098,225
    Funds lent in using Kiva
  • 41.0
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $325 helped Judalyn to pay for watch batteries, bracelets and other materials needed in repairing a watch.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Mar 19, 2013
Apr 14, 2013
Currency Exchange Loss:
Oct 20, 2013