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This is Josefa, 65, a resident of Taguig, Philippines. She is married to Isidro, a businessman, and she is a mother to her children. She and her husband manage their household, while operating the business. They both work hard to provide a good future for their whole family.

Josefa operates a furniture-making business. They make different kinds of furniture, like tables, sofas and cabinets, made of bamboo. Customers are sure of the quality of the bamboo set, and it is not too pricey. This product is in demand, especially in provinces. She earns a minimum of 5,000 Philippine Pesos (PHP) in sales, every week.

To help her continue operating her business, she is requesting a PHP 14,000 loan. She will use the loan to buy materials she needs for making furniture, like bamboo, varnish, nails and tools.

Josefa dreams of maintaining the success of their business, and hopes to have a happy family. She meets with her co-fellowship members* every week, to share stories of her life and business and to 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
  • 1061
    View loans »
    Philippines Loans Fundraising
  • $63,443,175
    Funds lent in using Kiva
  • 41.0
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $350 helped Josefa to pay for the materials she needs for making furniture, like bamboo, varnish, nails and tools.
100% repaid
Repayment Term
7 months (Additional Information)
Repayment Schedule
Apr 3, 2013
May 6, 2013
Currency Exchange Loss:
Oct 20, 2013