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Jocelyn S., age 44, and her husband Nestor, age 44, have three children in school. Nestor works as a security guard and Jocelyn owns an eatery/general store that she has run for the past ten years. The eatery generates PHP 7,000 a month in earnings for the family and is situated adjacent to their house in Manggahan, Caloocan City.

Jocelyn has applied for a loan of PHP 15,000 to purchase inventory for her eatery. She plans on purchasing vegetables, meat, chicken, spices, and soft drinks, in hopes that the additional food will attract customers and increase her revenue.

Jocelyn has been a member of the Center for Community Transformation since 2006 and has consistently attended weekly fellowship meetings. She hopes to continue to support her family and some day expand her business.

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 missionary work 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.

Locally, all CCT community partners and 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 microfinance 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
  • 404
    View loans »
    Philippines Loans Fundraising
  • $70,824,450
    Funds lent in using Kiva
  • 45.2
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $350 helped Jocelyn vegetables, meats, spices and beverages.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Jul 20, 2010
Aug 16, 2010
Currency Exchange Loss:
Dec 16, 2010