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This is Jocelyn, who is 44 years old andd a resident of Malibay, Pasay, Philippines. She is married to Romeo and the mother of their children. Together with her husband, she manages their household while operating her business. She and her husband are working hard to provide income for their everyday needs.

Jocelyn maintains a direct-selling business. She sells assorted soaps, coffee, vitamins, and juice. A customer's order is paid for in cash by the dealer, and then the customer is given a one-month-to-pay credit. The prices dealers pay are lower than those in the catalogue, and the difference is the profits that dealers rely on as their income. Jocelyn's regular customers are her neighbors and the local community. She earns a minimum of PHP 2,000 in sales every week.

To help her continue operations of her business, she is requesting a PHP 11,000 loan. She will use the loan to buy assorted soaps, coffee, vitamins, and juice.

Jocelyn dreams of being successful in her business and hopes to help her family financially. She meets up with her co-fellowship* members to share stories of their lives and business every week. It is 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 their 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
  • 711
    View loans »
    Philippines Loans Fundraising
  • $63,222,225
    Funds lent in using Kiva
  • 43.1
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $275 helped Jocelyn to buy more supplies of assorted soaps, coffee, vitamins, and juice.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Sep 27, 2013
Oct 28, 2013
Currency Exchange Loss:
Apr 16, 2014