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This is Josephine, 37, a resident of Batasan, Quezon City, Philippines. She is married to Rodolfo, an employee and a father to their children. She, together with her husband, manages their household while operating the business. At this time, she is working hard to continually provide income for their everyday expenses.

Josephine operates a tailoring business. She mainly offers curtains, bed sheets, blankets and other home trappings. Seasonal demand for clothing like uniforms and such is available all year round. She also does repairs and alterations. Her regular customers are her neighbors and the local community. She earns a minimum of 500 PHP in sales every day. To help her continue operations of her business, she is requesting a 12,000 PHP loan. She will be utilizing the loan to buy more quantities of raw materials like fabric, thread and other items needed in her business.

Josephine hopes to have additional business, and dreams of giving her children a good life and education. She meets up with her co-fellowship* members to share stories of her life and business every week, where she can also draw strength and inspiration from the fellowship and from 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 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
  • 1048
    View loans »
    Philippines Loans Fundraising
  • $63,517,800
    Funds lent in using Kiva
  • 44.9
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $275 helped Josephine to pay for fabric, cloth, thread, needles and other materials needed in her business.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Jan 28, 2014
Feb 11, 2014
Currency Exchange Loss:
Jun 17, 2014