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Rosa is a resident of Intramuros, Manila, Philippines. She is 48 years old and is happily married to Willie, who works as a broker. God has blessed them with loving children. Life indeed is hard, but by the grace of God they were able to raise their children well, and they are helping each other in working for their family.

Rosa owns a variety store. This is a small store that can be owned by anyone in the community and is connected to or just inside their houses. This is where you can buy a sachet of shampoo or conditioner, a bar of soap, 5 Philippine pesos-worth of cooking oil, or an egg. Rosa gets her products from a wholesaler at a lower price, then she will sell it per piece for a higher price to have profit. Her regular customers are her neighbors, passersby, and the people in the community. She earns 300 Philippine pesos (PHP) a day.

To be able to expand her inventory, Rosa is requesting a loan of 30,000 PHP. She will use the loan to buy groceries, toiletries, and beverages to expand her product inventory. This loan will be a great help as she adds more products to her store.

Rosa hopes that her business will continue to grow and expand. She meets up with her co-fellowship* members to share stories of her life and business every week and where she can 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 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

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
  • 1482
    View loans »
    Philippines Loans Fundraising
  • $59,115,875
    Funds lent in using Kiva
  • 43.5
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $700 helped Rosa to purchase grocery items, such as toiletries and beverages, needed in her business.
100% repaid
Repayment Term
7 months (Additional Information)
Repayment Schedule
Jul 9, 2013
Aug 9, 2013
Currency Exchange Loss:
Jan 17, 2014