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This is Susana S., 44, a resident of C. Jose St., Pasay City, Philippines. She is married to Cerilo S., a janitor, and is the mother of two children who are studying in college while the other one is already working.

At this time, she is working hard to be able to send her youngest child all the way through college. This is a dream for most Filipino parents like Susana, as she herself is a high school graduate and believes that a college diploma is the best inheritance parents can leave to their children.

Susana operates a variety store. In the Philippines, a variety store is basically a small convenience store that retails groceries, toiletries and beverages piecemeal to the local neighborhood. It is the place to go to buy one sachet of shampoo, 5 PHP’s-worth of cooking oil or an egg. Her store is located adjacent to her house. Her regular customers are her neighbors and the local community. She makes a profit by getting supplies at wholesale prices and selling them at retail piece rates. She earns a minimum of 200 PHP in sales every day.

To help her continue operation of her variety store, she is requesting a 25,000 PHP loan. She plans to use this loan to buy more products like groceries, toiletries and beverages so as to expand her product inventory. She expects a boost in her business income as she expands her business.

Susana hopes that her business will become bigger and she will be able to build a bigger commercial place. She also prays for having their own house and lot for her family. 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 received.

*All CCT community members are organized into fellowship groups composed of 15 to 30 community partners that meet on a weekly basis. The fellowship groups gather 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
  • 485
    View loans »
    Philippines Loans Fundraising
  • $69,838,675
    Funds lent in using Kiva
  • 43.3
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $600 helped Susana to pay for additional grocery items and beverages for her store.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Apr 14, 2011
Apr 22, 2011
Currency Exchange Loss:
Nov 15, 2011