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Josefina A. and her husband have four children. Two are working, one is in high school, and one is in college. Josefina works hard to cover her daily costs and to pay for her children's education. Josefina runs a small business selling frozen meat to local people.

Josefina has applied for a PHP 11,000 loan to help her restock her supply of frozen meats. She believes that the additional inventory will allow her to slowly expand her business and generate more revenue. Josefina has been a member of the Center for Community Transformation (CCT) since 2009 and has consistently attended weekly fellowship meetings.*

She hopes that he partnership with CCT will allow her to become more successful. She dreams of a bright future for her children.

* All CCT community partners / clients are organized into fellowship groups that meet on a weekly basis. A fellowship group is composed of fifteen to thirty community partners. The fellowship groups gather each week to study the Word of God, build social capital, and repay 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
  • 460
    View loans »
    Philippines Loans Fundraising
  • $69,741,450
    Funds lent in using Kiva
  • 45.3
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $250 helped Josefina restocking frozen meat.
100% repaid
Repayment Term
7 months (Additional Information)
Repayment Schedule
Aug 5, 2010
Aug 25, 2010
Currency Exchange Loss:
Feb 15, 2011