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Many people long for security, but as Douglas MacArthur put it, "There is no security on this earth; there is only opportunity." Annabelle B., 34, acknowledges that and grasps every opportunity that comes her way. Annabelle has been a CCT community partner since 2006. She graduated from college and is married to Danny, a security guard. Together they have three children. One child is in high school, another is in elementary school, and the youngest is not yet of school age.

Annabelle manages a transportation business, renting out one motorcycle, a tricycle, and a van to local drivers. The drivers use the rented vehicles for public transport, and return them to Annabelle when the day is over. Aside from this, Annabelle also has a buy-and-sell business and a catering business. Through these businesses she earns around Php13,220 per month.

To help her grow her transportation business, Annabelle is requesting a Php45,000 loan. She intends to use the money for repairs and maintenance of her vehicles. She believes that this effort will ensure that her business will continue to run smoothly and earn a profit.

If there is one area where Annabelle seeks security, it is in the education of her children. To ensure that there enough money for her children's tuition, Annabelle strives hard to make her businesses grow. As she motivated herself as a student, Annabelle encourages her children to grab the opportunity to learn. At the end of the day, all she wants to see is her children having a secure 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 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
  • 368
    View loans »
    Philippines Loans Fundraising
  • $70,797,850
    Funds lent in using Kiva
  • 43.9
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,025 helped Annabelle to maintain vehicles used in the business.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Dec 15, 2010
Dec 16, 2010
Currency Exchange Loss:
Jul 15, 2011