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Joey M., 38, is a hard-working father who makes sure that his family has enough provisions for their daily needs. Married to Irine M., a housewife, they are blessed with one child. He has been managing their variety store for four years.

Joey has been a regular member of Center for Community Transformation* (CCT) for more than four years now. He regularly attends their weekly fellowship meetings and pays his weekly dues consistently. Because of his good repayment performance with his previous loans, he was able to borrow ten times through CCT’s Cooperative. He is consistent in paying his dues because he used the money he borrowed to buy added stock for his store. His business lets him earn a profit of about $135 a month.

Now with your help, he would like to apply for a 10,000 PHP loan. This amount will be used as a source of added capital for his expanding business by buying additional stock for his store.

His priority in life is that he can raise his child well. He intends for his business to improve so that he can provide more for his family.

* 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
  • 397
    View loans »
    Philippines Loans Fundraising
  • $70,831,400
    Funds lent in using Kiva
  • 45.7
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $225 helped Joey to buy additional stock for his store.
100% repaid
Repayment Term
5 months (Additional Information)
Repayment Schedule
Dec 15, 2009
Jan 13, 2010
Currency Exchange Loss:
Apr 15, 2010