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Grace J., 53, is making sure that her family has enough provisions for their daily needs. She makes sure that she earns so that her family can have a better life. She has been managing her health care product business for 12 years now.

Grace has been a regular member of Center for Community Transformation* (CCT) for more than a year 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 quite a few times in CCT’s Cooperative. She is consistent in paying her dues, because she uses the money she borrowed to expand and improve her health care product business.

To continue operation of her business, she would like to apply for a PHP 40,000 loan. This amount will be used as a source of additional capital for her expanding business by buying additional quantities of health care products, as well as incorporating more varieties of products into her inventory.

She dreams that her business will continue to grow so that she can have enough money for her adopted child’s future.

* 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
  • 336
    View loans »
    Philippines Loans Fundraising
  • $70,624,175
    Funds lent in using Kiva
  • 44.1
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $925 helped Grace to buy additional quantities of health care products.
100% repaid
Repayment Term
25 months (Additional Information)
Repayment Schedule
Sep 9, 2010
Sep 20, 2010
Currency Exchange Loss:
Apr 15, 2011