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Juvy is 44 years old, married, and has three children. She is a resident of Manila, Philippines. She, together with her husband and children, manages the household while operating her ready to wear clothing business. Customers are attracted to her business due to the low sale prices and the many options offered

Juvy also operates an arcade shop and offers manicure services to earn additional income. Her regular customers are her neighbors and members of the local community. She earns a minimum of 500 PHP in sales every day.

To help her continue to operate her business, Juvy is requesting a 23,000 PHP loan, which she will use to buy ready to wear products and merchandise to expand her product inventory. She expects a boost in her business income as she expands her business.

Juvy hopes to be able to expand her business in the coming years and dreams of being able to give her children a high quality education through all her hard work on her business. She faithfully meets up with her co-fellowship* members to share stories of her work every week and where she can also draw strength and inspiration from God.

* 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 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
  • 399
    View loans »
    Philippines Loans Fundraising
  • $70,831,400
    Funds lent in using Kiva
  • 43.0
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $550 helped Juvy to purchase for additional stocks of ready-to-wear products.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Feb 27, 2012
Mar 11, 2012
Currency Exchange Loss:
Sep 15, 2012