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This is Clara, 64, a resident of Batasan, Quezon City, Philippines. She has a child who stays with her and together they manage their household while operating a variety store. Clara works hard to continually provide income for her family's everyday expenses. In the Philippines, a variety store is a store that sells inexpensive items, often with a single price for all items in the store. It is the place to go to buy a sachet of shampoo, 5 PHP of cooking oil, or an egg. Clara buys supplies at wholesale prices and sells them retail. She also sells mineral water. Clara's regular customers are neighbors and local community members. She earns a minimum of 500 PHP in sales every day.

Clara is requesting a 50,000 PHP loan to buy groceries, toiletries, and beverages to continue her business and expand her product inventory. She dreams of being successful in her business and hopes to have a good life with the guidance of God. Clara meets up weekly with her co-fellowship* members to share stories of her life and business and also draw strength and inspiration from fellowship and studying the Word of God.

*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 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
  • 835
    View loans »
    Philippines Loans Fundraising
  • $63,371,875
    Funds lent in using Kiva
  • 43.3
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,175 helped Clara to buy groceries, toiletries, and beverages.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Jun 24, 2013
Jul 19, 2013
Currency Exchange Loss:
Nov 17, 2013