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Jocelyn R. has been into buying and selling household appliances like television sets, DVD players, electric fans, rice cookers and other electronics in her community for almost three decades now. She is a 52-year-old widow living in Marcela, Pasay City with her two children. Customers order from her and she sells these items to them on an installment plan. She started small a few years back, but she’s now getting a lot of orders. She also attends to her small sari-sari (general) store right inside her house. She earns more than 22,000 Philippine pesos (PHP) a month from her businesses. While she enjoys her work, she sometimes gets fed up with customers who don’t pay on time. She also gets tired of hopping from one house to another.

Jocelyn joined the Center for Community Transformation (CCT) Credit Cooperative in 2006. Loans provided by the cooperative have been very helpful in the growth of her business. She is now applying for a new loan of 31,000 PHP as additional capital for her business. Jocelyn wishes to soon establish her own stall where she can sell her items and included in her dreams is a grocery store.

About CCT
The Center for Community Transformation (CCT) is an organized Christian response to poverty and social injustice. It is carried out through the fusion of social development initiatives and an evangelical mission in a uniquely Filipino context. CCT 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
  • 468
    View loans »
    Philippines Loans Fundraising
  • $69,677,850
    Funds lent in using Kiva
  • 46.7
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $675 helped Jocelyn additional capital for her electronics sales business.
100% repaid
Repayment Term
7 months (Additional Information)
Repayment Schedule
Nov 3, 2009
Nov 20, 2009
Currency Exchange Loss:
May 15, 2010