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Maria Joyce
This is Maria Joyce, 22, resident of Malibay, Pasay, Philippines. Her partner is Roland, a mechanic. She, together with her partner, manage their household while operating the business. At this time, she is working hard to continually provide income for her everyday expenses.

Maria Joyce operates a food stall. In the Philippines, the whole working community and most of the families only eat home-cooked meals during evenings, when all of the family members are at home to take part in the meal. This is not only a usual family tradition but a matter of convenience and frugal living. It is considered a waste of money and time to spend on cooking gas and food for one to two persons when buying cooked rice and viands cost less than raw food. Her regular customers are her neighbors and the local community. She earns a minimum of PHP 900 in sales every day.

To help her continue operations of her business, she is requesting a PHP 8,000 loan. She will be utilizing the loan to buy more quantities of products like meats, rice, vegetables, condiments and seasonings and frozen food products.

Maria Joyce dreams to expand her business and hopes to give her children a good life and education. She meets up with her co-fellowship members to share stories of her work every week and where she 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

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
  • 721
    View loans »
    Philippines Loans Fundraising
  • $63,241,750
    Funds lent in using Kiva
  • 44.4
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $200 helped Maria Joyce to pay for raw ingredients like rice, pork, chicken, vegetables and products needed in her business.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Jul 31, 2013
Aug 31, 2013
Currency Exchange Loss:
Dec 17, 2013