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This is Baruela D. R., 60, a resident of Brgy. Commonwealth, Quezon City, Philippines. She is married to Samson, an overseas Filipino worker, and is the mother of four children. Baruela is a high school graduate who manages her own micro-business to help her husband earn a living.

Baruela operates a variety store which, in the Philippines, is basically a small convenience store that retails groceries, toiletries and beverages piecemeal in 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. Baruela's store is located adjacent to her house and 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. Baruela earns a minimum of 200 PHP in sales every day.

To help her continue operations of her store, Baruela is requesting a 21,000 PHP loan. She plans to use it to buy more products such as groceries, toiletries and beverages to expand her product inventory. She expects a boost in her business income as she expands her business.

Baruela dreams of being able to give all of her children a good and high-quality education through all of her hard work in 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 receives.

*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
  • 502
    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 $500 helped Baruela to pay for additional grocery items for her variety store.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Apr 14, 2011
Apr 27, 2011
Currency Exchange Loss:
Nov 15, 2011