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Jocelyn is a resident of Dasmariñas, Cavite, Philippines. She is 46 years old and she is happily married to Rodolfo who works as maintenance staff. They are blessed with four loving children and all of them are still studying. Life indeed is hard but they were able to raise their children well and they are helping each other in working for their family.

Jocelyn owns a variety store. This is a small store that is connected to or just inside their house. This is where you can buy a sachet of shampoo or conditioner, a bar of soap, cooking oil or an egg, for example. She gets her products from a wholesaler at a lower price then she sells it per piece for a higher price for profit. Her regular customers are her neighbors, passerbys and the people in the community. She earns 300 PHP a day.

To be able to expand her inventory, she is requesting a 8,000 PHP loan to buy groceries, toiletries and beverages to expand her product inventory. This loan will be a great help for her to add more products to her store.

Jocelyn desires that her business will continue to grow and she is hoping to have more customers. 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 fellowship and 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
  • 1082
    View loans »
    Philippines Loans Fundraising
  • $63,436,400
    Funds lent in using Kiva
  • 41.3
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $200 helped Jocelyn to buy grocery items, toiletries and beverages to sell in her business.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Mar 29, 2013
Apr 28, 2013
Currency Exchange Loss:
Oct 20, 2013