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Standing out and making a difference is hard to do, but Rosita A., 47, is determined to do so. Rosita reached only high school and is married to Joselin, an electrician. Being a community partner of CCT, Rosita applies her learning in entrepreneurship to her business. Together, Joselin and Rosita raise their three children.

Rosita owns a sari-sari (variety) store located near their house. There she outshines other sari-sari stores in the vicinity by providing quality products at an affordable price. She makes sure her stock is fresh and worth every centavo of her customers’ money. Monthly Rosita earns a net income of Php 3,900.

Standing out requires maximum effort, and Rosita needs help to make her business stand out. She decided to borrow Php 24,000 to help her grow her business. With this she will buy more canned goods, noodles, soap, toothpaste and other household essentials. She believes that increasing the quantity of her products will affect the profitability of her store and add up to savings for her.

A usual problem shared by Rosita with other sari-sari store owners is the difficulty in collecting payments from neighbors who do not pay their bills. Cash flow is very important for Rosita as the store is one main way of financing the studies of her children. That is why Rosita never gives up despite the problems and reaches for her dream of growing her store into a bigger enterprise.

As a CCT community partner, she faithfully attends the group's weekly fellowship* meeting where she can also draw strength and inspiration from the Word of God she receives.

*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 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
  • 362
    View loans »
    Philippines Loans Fundraising
  • $70,814,550
    Funds lent in using Kiva
  • 43.6
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $575 helped Rosita the replenishment of products.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Feb 18, 2011
Feb 25, 2011
Currency Exchange Loss:
Sep 15, 2011