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Juvy Ann
Juvy Ann B., 27, is married mother of two boys. Her husband, Godofredo, is a government employee.

Juvy has run a variety store in a destitute area of Buntong Palay, San Mateo, Rizal for more than two years. Her store caters to the basic needs of their community, including rice, purified drinking water, and electronic load distribution (mobile phone credit). Before a recent break-in, her store earned a weekly profit of P5000. The thief who broke into her store ran off with grocery items and all the money in her cash box. With little inventory, and no money to replace the stolen items, she is only earning around P2,000 a week now. Her new loan will be used to replenish her store and to buy sacks of rice and purified drinking water in five liter containers. She also wants to start up a "lutong ulam" (cooked food) business for added income. Juvy considers this bad experience as a wake up call from God because her store kept her very busy, even on Sundays. It was almost two years ago when she last attended a Sunday Service. With renewed mind and spirit, Juvy knows that God will bless her business again.

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
  • 378
    View loans »
    Philippines Loans Fundraising
  • $70,831,400
    Funds lent in using Kiva
  • 48.2
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $200 helped Juvy Ann sacks of rice, purified drinking water, and grocery items.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Jun 23, 2009
Jul 9, 2009
Currency Exchange Loss:
Nov 15, 2009