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This is Susan, who is 51 years old and a resident of Batasan, Quezon City, Philippines. She is married, and she has children. She and her husband manage their household while operating the business. She is working hard to continually provide income for their everyday expenses.

Susan operates a variety store. In the Philippines, a variety store is a retail store that sells inexpensive items, often with a single price for all items in the store. It is the place to go to buy one sachet of shampoo, PHP 5's worth of cooking oil, or an egg. She profits by getting supplies at wholesale prices and selling them by the piece.

She also has a food stall for additional income. Her regular customers are her neighbors and the local community. She earns a minimum of PHP 800 in sales every day.

She is requesting a PHP 8,000 loan to help her continue in the operation of her business. She will use the loan to buy groceries, toiletries, and beverages to expand her product inventory.

Susan dreams that her business will grow and hopes that her children will finish their studies. She meets up with her co-fellowship* members to share stories of their livees 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
  • 1858
    View loans »
    Philippines Loans Fundraising
  • $61,075,150
    Funds lent in using Kiva
  • 43.2
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $200 helped Susan to pay for grocery items, toiletries, and beverages needed in her business.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Oct 24, 2013
Nov 10, 2013
Currency Exchange Loss:
Mar 18, 2014