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Lina C., 39, is from Parola, Binondo, Manila, a shanty village near the edge of Manila Bay. She is married to Romeo, 51, a transport dispatcher. Two of her three children are attending school.

Two years ago, Lina opened a general store in front of her house. She started selling a handful of canned goods and biscuits. Now her general store has grown bigger. She makes a net profit of P5,000.00 a month. Her profits are budgeted for their daily basic needs especially her children’s education.

Lina just became a member of the Center for Community Transformation (CCT) Credit Cooperative in 2008 but has already seen a lot of economic as well as spiritual development in her life. She has learned from the cooperative the importance of saving for the future. She is now applying for a new loan in the amount of P15,000.00 as additional capital for the continuous growth of her store. She will re-stock her grocery inventory.

She hopes to see her store grow even bigger. She also wants to see her children graduate from their studies.

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
  • 328
    View loans »
    Philippines Loans Fundraising
  • $65,925,350
    Funds lent in using Kiva
  • 47.2
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $325 helped Lina as additional capital.
100% repaid
Repayment Term
5 months (Additional Information)
Repayment Schedule
Sep 17, 2009
Oct 1, 2009
Currency Exchange Loss:
Jan 15, 2010