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This is Thelma, 66, a resident of GMA, Cavite, Philippines. She is a widow, and she has ten children who all have moved out of her house already. She is working hard to continually provide income for her everyday expenses.

Thelma operates a variety store. In the Philippines, a variety store is a retail store that sells inexpensive items, often with a single price for all items in the store. It is the place to go to buy one sachet of shampoo, a PHP 5-worth of cooking oil, or an egg. She earns by getting supplies at wholesale prices and selling by the piece. Her regular customers are her neighbors and the local community. She earns a minimum of PHP 500 in sales every day.

She is requesting a PHP 19,000 loan to help her continue in the operation of her business. She will use the loan to buy groceries, toiletries and beverages to expand her product inventory.

Thelma dreams to be successful in her business and hopes to have peace and joy every day. She meets every week with her co-fellowship* members to share stories of her life and business and to 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 composed of 15 to 30 community partners. The fellowship groups gather each week to study the Word of God, build social capital, and repay microfinance 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
  • 718
    View loans »
    Philippines Loans Fundraising
  • $63,203,625
    Funds lent in using Kiva
  • 43.3
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $450 helped Thelma to buy grocery items, toiletries and beverages needed in her business.
100% repaid
Repayment Term
7 months (Additional Information)
Repayment Schedule
Jun 3, 2013
Jul 5, 2013
Currency Exchange Loss:
Dec 17, 2013