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Karen Joyce
This is Karen Joyce, a 20-year-old resident of Intramuros, Manila, Philippines. Single and living with her parents, she helps them in managing their household while operating the business. At this time, she is working hard to continually provide income for their everyday expenses.



Karen Joyce operates a computer rental shop. In the Philippines, very few people own their own computers, so there is a need for such services, especially for students who need to do research and write papers. She rents out computers by the hour and offers printing and typing services. Her regular customers are her neighbors and the local community. She earns a minimum of 500 Philippine Pesos (PHP) in sales every day.



To help her continue operations of her business, Karen Joyce is requesting a Php 50,000 loan to buy new computer units, spare parts and accessories. She expects a boost in her income as she expands her business.



Grace hopes that her business will continue to grow, and dreams of having a complete and happy family. She meets up with her co-fellowship* members to share stories of her work every week and 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 who gather each week to study the Word of God, build social capital, and pay 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
  • 1463
    View loans »
    Philippines Loans Fundraising
  • $59,320,525
    Funds lent in using Kiva
  • 42.2
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,200 helped Karen Joyce to pay for additional computer parts and supplies needed in her business.
100% repaid
Repayment Term
7 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
May 13, 2013
Listed
Jun 8, 2013
Currency Exchange Loss:
Possible
Ended:
Nov 17, 2013