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Salvacion is a resident of Caloocan, Pasay, Philippines. She is a 58-year-old widow with three children, all of whom are working. Life, indeed, is hard. But, by the grace of God, she was able to raise her children well and to continue working to cover her everyday needs.

Salvacion owns a variety store. This is a small store, just connected to or just inside the house, which can be owned by anyone in the community. This is where you can buy a sachet of shampoo, conditioner, a bar of soap, a PHP5-worth of cooking oil, or an egg, for example. Salvacion obtains her products from a wholesaler at a lower price then sells it at a higher price for profit. She also sells charcoal and rice. Her regular customers are her neighbors, passersby, and the people in the community. She earns 700 PHP a day.

She is requesting a 20,000 PHP loan in order to expand her inventory (groceries, toiletries, beverage, etc.). This loan will be a great help for her to add more products to her store. Salvacion hopes that her business will grow and expand. She meets up with her co-fellowship* members every week to share stories of her life and business and to draw strength and inspiration from the fellowship and 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 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
  • 2110
    View loans »
    Philippines Loans Fundraising
  • $61,219,850
    Funds lent in using Kiva
  • 43.2
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $475 helped Salvacion to buy grocery items, toiletries, and beverages.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Jun 17, 2013
Jul 21, 2013
Currency Exchange Loss:
Nov 17, 2013