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Josefina
This is Josefina, 54, resident of Batasan, Quezon City, Philippines. She is a mother to her four 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 sells them per container (5 gallons per container) for a profit. Her regular customers of her mineral water 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 28,000 loan. She will be utilizing the loan to buy more containers of mineral water to expand her product inventory.

Josefina hopes to have a store expansion and dreams to have a secure future. She meets up with her co-fellowship members to share stories of her work every week and where he can also draw strength and inspiration from the Word of God he 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 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
  • 248
    View loans »
    Philippines Loans Fundraising
  • $53,045,000
    Funds lent in using Kiva
  • 42.9
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $675 helped Josefina to pay for more gallons of mineral water to expand her product inventory.
100% repaid
Repayment Term
7 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Jun 3, 2013
Listed
Jun 23, 2013
Currency Exchange Loss:
Possible
Ended:
Dec 17, 2013