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Cheryl A. is a 39-year-old woman from Pasay City. Her husband, Leonardo, 41, drives a pedicab (rickshaw) for a living. They have an only child who is still at home. They live among the city’s poorest communities.

Cheryl has had a small general store for more than two years. She saved most of her earnings until she was able to purchase the pedicab that her husband now uses in his business. Cheryl earns PHP9,000.00 a month. She uses her profits to address daily basic needs.

Cheryl became a member of the Center for Community Transformation (CCT) Credit Cooperative in 2006. She has applied for a new loan (PHP10,000.00) in order to increase the inventory of groceries for her store.

It has always been her intention to send her child to college. This is why she has been working hard day and night.

About CCT

The Center for Community Transformation (CCT) is an organized Christian response against poverty and social injustice. This is carried out through the fusion of social development initiatives and evangelical mission in a uniquely Filipino context. It serves urban and rural poor communities throughout the Philippines, in pursuit of its desire to see changed lives, strong families, and transformed communities centered in the Lordship of Jesus Christ.

CCT is a member of the Five Talents family.

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
  • 433
    View loans »
    Philippines Loans Fundraising
  • $69,767,475
    Funds lent in using Kiva
  • 47.4
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $225 helped Cheryl to increase inventory.
100% repaid
Repayment Term
5 months (Additional Information)
Repayment Schedule
Sep 9, 2009
Sep 25, 2009
Currency Exchange Loss:
Jan 15, 2010