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Meeting life’s challenges head on is a habit that could be developed only by the brave. Judith C., 41, does just like that. She is married to Reynaldo, a technician, and they have been blessed with two children who are studying in public elementary and high schools nearby. Judith works very hard to help her husband earn a living so that they will be able to send their children all the way through college. The family lives in Brgy. Commonwealth, Quezon City, Philippines.

Judith is a distributor of food supplements and other natural medicines such as CMD or Concentrated Mineral Drops. She has been in this business for quite some time now. She buys these items at discounted prices and sells them at regular prices to her customers. Judith has already built up a clientele through her friends, relatives and other social connections. She earns an estimated monthly net income of around 11,000 PHP. To help her continue business operations, she is requesting a 30,000 PHP loan, which she intends to use to purchase more cases and boxes of natural medicines ordered in advance by her customers.

Judith acknowledges that no challenge is too hard to deal with. She knows that the Lord will enable her to overcome and uphold the future of both her children and her business. 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 reads.

*All CCT community partners and 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
  • 498
    View loans »
    Philippines Loans Fundraising
  • $70,831,400
    Funds lent in using Kiva
  • 43.3
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $700 helped Judith to pay for cases of natural medicines ordered in advance by her customers.
100% repaid
Repayment Term
7 months (Additional Information)
Repayment Schedule
Apr 13, 2011
Apr 26, 2011
Currency Exchange Loss:
Oct 15, 2011