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Juanita is 54 and a resident of Quezon City, Philippines. She is separated and a mother of two children. Her children are both married and have families and businesses of their own. She has kept herself busy in her business. She wants to save money for herself and her grandchildren.

Juanita owns a variety store. She buys groceries like canned goods, condiments, milk, sugar, and primary commodities that are needed in every household. She earns money by getting supplies at wholesale prices and selling them by the piece. Her store is located adjacent to her house. Her regular customers are her neighbors and the local community. She earns a minimum of 650 Philippine Pesos (PHP) in sales everyday.

To help her continue operations of her business, she is requesting a loan of 25,000 PHP. She will be utilizing the loan to buy more grocery items, which will enable her to have more stock. She also plans to make her store a little bit bigger. She believes that this will help her to gain income and profit, as it will definitely attract more customers to buy in her store. It will help her to save more money for the expenses of her grandchildren in school.

Juanita hopes that her business will continue to grow and sustain her daily expenses. She wants to have more profit in order to help her family more. She hopes that all her grandchildren will be able to finish their studies and have good lives once they settle down. She is active in attending the weekly fellowship*, as the sharing inspires her to be full of joy everyday. She believes that having God as the center of her life helps a lot.

* 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 pay 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
  • 411
    View loans »
    Philippines Loans Fundraising
  • $65,913,675
    Funds lent in using Kiva
  • 43.5
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $575 helped Juanita to pay for grocery items and products needed in her business.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Oct 27, 2011
Nov 20, 2011
Currency Exchange Loss:
May 15, 2012