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Marivic O., 41, is a mother of three children and wife to Flaviano, 49, a maintenance worker. Marivic and Flaviano live in Camia St., Malaria St., Caloocan City.

Marivic has been creative since she was a child and now has a business making bags and baskets out of folded newspapers and magazines. She buys old newspapers from neighbors in her community. Through this recycling crafts production, she earns a daily income of 200 Philippine pesos (approximately $4).

She joined CCT in 2006 and is currently on her third loan cycle. She will use this loan to purchase raw materials for her crafts such as glue, strings and varnish. She looks forward to sharing her acquired talent with other women entrepreneurs in her community.

CCT is a Filipino family-oriented and Bible-centered development organization that provides and creates equal business opportunities for small-scale Filipino entrepreneurs through loans and social interventions.

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
  • 482
    View loans »
    Philippines Loans Fundraising
  • $69,645,400
    Funds lent in using Kiva
  • 48.0
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $175 helped Marivic to purchase raw materials (old newspapers, adhesives, urethane paint).
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Jun 30, 2009
Jul 17, 2009
Currency Exchange Loss:
Nov 15, 2009