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Linda A. is a 56-year-old general store owner from Iba, Silang, Cavite. Her husband Merlito, 52, is a fisherman. They have four children; one is in high school and three are in grade school.

Linda owns a general store which has been around for five years. Through the years, her general store has grown steadily. She now earns a net income of close to $110 a month. She uses her profits to support her children’s education and to pay for their daily needs.

She is now on her third loan cycle with the Center for Community Transformation (CCT) Credit Cooperative. She has recently applied for a new loan amounting to 9,000 PHP. She will use the fund to purchase more items to sell at her general store. Linda dreams of enlarging her general store into a big 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
  • 405
    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 $200 helped Linda to purchase more items to sell.
100% repaid
Repayment Term
5 months (Additional Information)
Repayment Schedule
Nov 12, 2009
Dec 4, 2009
Currency Exchange Loss:
Mar 15, 2010