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This is Emily, 61, a resident of Tanza, a part of Cavite City in the Philippines. She is married to Jose, a driver and is the mother of two children, both of whom are working. Her husband and she manage their own household while operating their businesses. At this time, she is working hard to continually provide income for their everyday expenses.

Emily operates a variety store adjacent to her house. In the Philippines, a variety store is basically a small convenience store, which retails groceries, toiletries and beverages piecemeal to the local neighborhood. It is the place to go to buy one sachet of shampoo, five PHP’s worth of cooking oil, or an egg. Emily profits by getting supplies at wholesale prices and selling them by the piece. She also runs a tricycle unit (motorcycle with sidecar) and sells mineral water to the community. Her regular customers are her neighbors and those in the local community. She earns a minimum of 700 PHP in sales every day.

Emily is requesting a 21,000 PHP loan which she will use to buy groceries, various products and mineral water to expand her inventory. A portion of the loan will also be used for the maintenance of her tricycle unit. She expects a boost in her income as she expands her business.

Emily hopes to be able to grow her businesses soon, just as she hopes to hand them over to the next generation. She faithfully attends meetings with her co-fellowship* members every week where she shares stories of her work and draws strength and inspiration from the Word of God she studies.

* All CCT community partners and clients are organized into fellowship groups that meet on a weekly basis. A fellowship group is composed of fifteen to thirty community partners. The fellowship groups gather each week to study the Word of God, build social capital, and repay 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
  • 450
    View loans »
    Philippines Loans Fundraising
  • $69,660,550
    Funds lent in using Kiva
  • 42.4
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $500 helped Emily to pay for grocery items and products for her business and for maintenance of her tricycle unit.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Jul 18, 2011
Jul 26, 2011
Currency Exchange Loss:
Feb 15, 2012