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This is Arnita, 59, resident of Caloocan, Philippines. She is a widow and she has four children, all currently working. She works hard to provide for her family’s everyday needs. Aside from her variety store, she also sells diapers for additional income.

Arnita 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 a sachet of shampoo, a 5 PHP-worth of cooking oil, or an egg. Arnita earns profit by getting supplies at wholesale prices and selling them individually. Her regular customers are her neighbors and local community members. She earns a minimum of 500 PHP in sales, every day.

She is requesting a 20,000 PHP 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.

Arnita dreams of having a supermarket someday and hopes to have good health. She meets up with her co-fellowship* members to share stories of her life and business every week. There, 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
  • 1499
    View loans »
    Philippines Loans Fundraising
  • $59,173,600
    Funds lent in using Kiva
  • 44.5
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $450 helped Arnita to pay for grocery items, toiletries, and beverages needed in her business.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Apr 29, 2014
May 4, 2014
Currency Exchange Loss:
Nov 17, 2014