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Josefina
This is Josefina, 56, resident of Malibay, Pasay, Philippines. She is married to Narciso, a welder, and is a mother to her children. She, together with her husband, manages their own household while operating the business. At this time, she is working hard to continually provide income for her everyday expenses.

Josefina is a mineral water distributor. What she basically does is buy mineral water in containers from wholesalers and sell them per container (5 gallons per container) with a profit. She also has a sidecar for additional income. Her regular customers are her neighbors and the local community. She earns a minimum of PHP 500 in sales every day.

To help her continue operations of her business, she is requesting a PHP 15,000 loan. She will be utilizing the loan to buy more gallons of mineral water to expand her product inventory. She expects a boost in her business income as she expands her business.

Josefina hopes that her business will continue to grow and dreams that she will have more pedicabs. She meets up with her co-fellowship members to share stories of her life and business every week and where she can also 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 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
  • 1535
    View loans »
    Philippines Loans Fundraising
  • $59,090,400
    Funds lent in using Kiva
  • 41.3
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $375 helped Josefina to pay for more gallons of mineral water to expand her product inventory.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Mar 27, 2013
Listed
Apr 17, 2013
Currency Exchange Loss:
Possible
Ended:
Oct 20, 2013