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Virginia P. is a 53-year-old widow living with her children in Pangarap (Dream) Village, Caloocan City.

Virginia has a general store located in her residence. She also maintains coin-operated video-game consoles. Virginia says she has coped and moved on from the pain of losing her husband and now enjoys attending her business. She now earns more than 30,000 Philippine pesos.

Virginia joined the Center for Community Transformation (CCT) credit cooperative in 2005. She has been active in inviting other women in her community to her group. She has just finished repaying her previous loan with the cooperative. Now, for her 13th loan, she has applied for a fresh loan in the amount of P14,000 as additional capital for her business. She dreams of having a larger grocery store someday.

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
  • 403
    View loans »
    Philippines Loans Fundraising
  • $70,824,450
    Funds lent in using Kiva
  • 47.0
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $300 helped Virginia purchase more grocery items to sell.
100% repaid
Repayment Term
5 months (Additional Information)
Repayment Schedule
Nov 10, 2009
Dec 4, 2009
Currency Exchange Loss:
Mar 15, 2010