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This is Norietta A.. She is 44 years old and lives in a shanty village in the heart of Parola Compound, Tondo, Manila. She and her husband Pio, who is 50 and makes a living as a driver, have four children.

Norietta runs a general merchandise store in the Harbour Center at Manila's International Container Terminal, a seaport. She sells accessories and ready-to-wear clothing as well as cosmetics, shoes and apparel. She earns an income of P8,000 a month from her work and uses most of that money to educate her children.

Norietta is a pioneer member of the Center for Community Transformation (CCT) Credit Cooperative in Intramuros. She joined the cooperative in 1998 and been active in all of its programs and activities. She is now on her 18th loan, for P17,000, which she will use to expand her businesses.

Norietta dreams of having her own store so she won’t need to pay a monthly fee to the vendors’ association where she leases her small shop.

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
  • 308
    View loans »
    Philippines Loans Fundraising
  • $70,667,050
    Funds lent in using Kiva
  • 47.6
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $375 helped Norietta to expand her small business.
100% repaid
Repayment Term
7 months (Additional Information)
Repayment Schedule
Sep 10, 2009
Sep 30, 2009
Currency Exchange Loss:
Mar 15, 2010