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Carol T., 29, lives with her husband and their only child in Parola, Tondo, Manila – a shanty town at the edge of Manila Bay.

Carol has been in business since she was a child. Now, her sari-sari (general) store is very successful. She hires an assistant to look after her business. She earns more than P22,000 in monthly profits. She saves much of her earnings in preparation for her child’s education. She is also providing maintenance medications for her sick father.

She joined the Center for Community Transformation (CCT) Credit Cooperative in the summer of 2007. She has been enjoying the camaraderie of her fellowship group since then. She is now on her sixth loan cycle. She has just finished repaying her loan of P15,000 and she has applied for a new loan of P17,000. She will use the loan proceeds to purchase more grocery items to sell at her store.

Carol aspires to see her store grow big so she can help employ more people in her community.

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
  • 449
    View loans »
    Philippines Loans Fundraising
  • $69,733,650
    Funds lent in using Kiva
  • 46.8
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $375 helped Carol to purchase more grocery items to sell at her store.
100% repaid
Repayment Term
7 months (Additional Information)
Repayment Schedule
Nov 4, 2009
Dec 1, 2009
Currency Exchange Loss:
May 15, 2010