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Rowilma H., age 32, and her husband, Norberto, work hard to cover their daily living expenses and to pay for their children's education. For the past 10 years, Rowilma has been running a general store in Silang, Cavite selling meat, groceries, and prepaid credits for cell phone users through electronic loading.

Recently, customers have been seeking more variety in her store. Rowilma would like to be able to expand the number of goods she sells and add to her existing meat and cell phone prepaid credits inventory with the help of a PHP 8,000 loan. Rowilma has been a member of the Center for Community Transformation since 2008 and has consistently participated in weekly meetings.*

Rowilma hopes that eventually income generated through her business will be able to fully fund her children's education. She also dreams of expanding her business and someday purchasing a freezer to store the meat she sells.

* 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
  • 524
    View loans »
    Philippines Loans Fundraising
  • $69,898,525
    Funds lent in using Kiva
  • 45.0
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $200 helped Rowilma to buy additional stock for replenishment.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Jul 19, 2010
Aug 7, 2010
Currency Exchange Loss:
Dec 16, 2010