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This is Sapia, who is 25, single, and a resident of Tanza, Cavite, Philippines. She manages her own household while operating her general retail business. Sapia buys general merchandise from wholesalers and then sells it for a little profit. She sells bags, stuffed toys, and other similar products. She works hard to provide income for her everyday expenses. Sapia's customers are attracted to her merchandise because of her low prices and variety. Her regular customers are local community members and passersby and she earns a minimum of 700 PHP in sales every day.

Sapia is requesting a 30,000 PHP loan to help continue to operate her business. She will purchase additional bags and stuffed toys to expand her product inventory. Sapia expects a boost in her business income as she expands her business. In the coming years, she hopes to be able to expand her business. Sapia faithfully meets up with her co-fellowship* members each week to share stories of her work and draw strength and inspiration from studying the Word of God.

* 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 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
  • 449
    View loans »
    Philippines Loans Fundraising
  • $69,821,250
    Funds lent in using Kiva
  • 43.8
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $700 helped Sapia to buy bags, stuffed toys, and other items to sell.
100% repaid
Repayment Term
7 months (Additional Information)
Repayment Schedule
Dec 8, 2011
Dec 19, 2011
Currency Exchange Loss:
Nov 15, 2012