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Julia T., 61, is making sure that her family has enough provisions for their daily needs. She is married to Renato T., a carpenter, and ensures that she helps her husband earn an adequate income so their family can have a better life in the future. She has been selling fish for 18 years. She also manages a junkshop.

Now with your help, she would like to apply for a PHP 12,000 loan. This amount will be used as a source of added capital to her expanding businesses by buying more fish products and added funds for her junkshop.

She dreams that she could see the lives of her children be far better than what they have experienced as they help each other in times of need.

Julia has been a regular member of Center for Community Transformation* (CCT) for more than four years now. She regularly attends their weekly fellowship meetings and pays her weekly dues consistently. Because of her good repayment performance with her previous loans, she was able to borrow 10 times in CCT’s Cooperative. She is consistent in paying her dues because she used the money she borrowed to buy stocks of fish to her store. Her businesses help her earn a combined profit of PHP 9,900 per month.

* 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
  • 46.2
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $275 helped Julia fish products and added fund for her junkshop.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Jan 19, 2010
Jan 25, 2010
Currency Exchange Loss:
Aug 15, 2010