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Ma. Rowena
This is Ma. Rowena, 20, a resident of GMA, Cavite City, Philippines. She has a child living with her. She manages her household while operating her business. At this time, she is working hard to provide income for their everyday expenses.

Ma. Rowena operates a junk shop. Trash is not actively segregated in the Philippines, and while waiting for their local dump trucks, people scavenge garbage dumps and trash bags for recyclable materials like metal, copper, plastic, paper and other materials. They sell these to junk shops for a little profit. Junk shops then stack, clean, and gather huge quantities of these materials and resell them to foundries like factories and others of the like. Ma. Rowena's regular customers are her neighbors and the local community. She earns a minimum of Php 700 in sales everyday.

To help her continue operations of her business, she is requesting a Php 10,000 loan. She will be incorporating the loan into her current revolving fund used to buy recyclable materials from collectors. She expects a boost in her business income as she expands her business.

Rowena dreams of having other stalls for her business. 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. The fellowship groups gather each week to study the Word of God, build social capital, and repay Micro Finance loans.

Additional Information

More information about this loan

On Friday November 8, 2013, Super Typhoon Haiyan made its way through Southeast Asia, causing substantial damage to homes and businesses in areas of the Philippines. Given the state of devastation following this storm, borrowers living and working in these areas may have difficulty making repayments on their loans, thus making their Kiva loans higher risk. More 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

  • $1175
    Average annual income
  • 482
    View loans »
    Philippines Loans Fundraising
  • $51,011,175
    Funds lent in using Kiva
  • 42.2
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $250 helped Ma. Rowena to pay for recyclable materials needed in her business.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
May 24, 2013
Listed
Jun 10, 2013
Currency Exchange Loss:
Possible
Ended:
Dec 17, 2013