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Ma. Isabel
Isabel D. has been in the variety store business for six years. Married to Oscar D., they have six children. Four of them are already working, one is studying in college and one is in elementary school. Her husband works as a cook in a restaurant. She and her family are living in Caloocan City, Metro Manila.

Being a member of Center for Community Transformation* for the past two years, Isabel has already received six loans, with her latest loan amount being PHP 12,000, because of her good attendance at weekly fellowship meetings and her regular payment of dues.
She wants to further expand her business this Christmas season by applying for a PHP 14,000 loan and using it as added capital to buy more stock like soft drinks, instant noodles, assorted snacks and other products for her variety store business.

She hopes that both her own and her husband’s hard work will someday pay off with a stable source of income from their expanding business, benefiting not only them but also their children as they each start families of their own.

* All CCT community partners / clients are organized into fellowship groups that meet on a weekly basis. A fellowship group is composed of 15 to 30 community partners. The fellowship groups gather each week to study the Word of God, build social capital, and pay Micro Finance loans.

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
  • 380
    View loans »
    Philippines Loans Fundraising
  • $70,798,900
    Funds lent in using Kiva
  • 46.5
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $325 helped Ma. Isabel to buy additional stock for her variety store business.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Nov 26, 2009
Dec 18, 2009
Currency Exchange Loss:
Jun 15, 2010