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Beatriz C. is a 54-year-old mother of two, the eldest of which is already working and the other is still in grade school. Her husband Eduardo, 51, is a family driver. They live in Bagong Silang, Caloocan City.

Beatriz owns a general store located in their house. She is also into the popular direct selling of cosmetic products and apparel offered by prominent brands (Personal Collection, Avon, Sarah Lee, etc.). She also sells electronic load credits for mobile phones. With all these combined, she earns at least P8,000.00 a month.

She is now on her 14th loan cycle with the Center for Community Transformation (CCT) Credit Cooperative. She applied for a P35,000.00 loan with the cooperative to purchase more cosmetic products for her clients. She will also use portions of the fund as additional capital for her store.

Beatriz hopes to establish her own cosmetics outlet soon.

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
  • 362
    View loans »
    Philippines Loans Fundraising
  • $70,831,400
    Funds lent in using Kiva
  • 46.5
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $775 helped Beatriz additional capital for cosmetics and general store.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Oct 27, 2009
Nov 17, 2009
Currency Exchange Loss:
Apr 15, 2010