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This is Romana A., a 42-year-old entrepreneur from Maricaban, Pasay City. She currently lives with her three children. Two of her children are in college and the eldest is already working. Her husband Rene, 56, is a seafarer so he is always out of the country.

Romana has been managing their pedicab (rickshaw) transport business for four years now, along with selling frozen meat products (sausages, hotdogs, hams, etc.) she gets from a prominent dealer. However, her refrigerator was damaged by the recent flood that hit the entire Manila area, so she has to stop her frozen meat products business for a while because she has nowhere to store her products. Then she got a loan from the Center for Community Transformation (CCT) Credit Cooperative in the amount of P17,000.00, which she used to start a small sari-sari (general) store. She now earns more than P10,000.00 a month from the combined earnings of her new business and her earnings from the rickshaw.

She is working hard to be able to get back her former sources of income. When her children finish their college education and are able to get decent jobs, Romana wants to go back to the province and stay there for good. Currently, Romana has requested a new loan from CCT in the amount of P20, 000.00 to infuse more capital into her new general store.

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
  • 345
    View loans »
    Philippines Loans Fundraising
  • $65,961,850
    Funds lent in using Kiva
  • 46.7
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $450 helped Romana additional capital for general store.
100% repaid
Repayment Term
7 months (Additional Information)
Repayment Schedule
Nov 3, 2009
Nov 20, 2009
Currency Exchange Loss:
May 15, 2010