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Marybeth is 40 years old and lives in Taguig, Philippines. She is married, the mother of several children and works hard to earn enough money to meet everyday expenses. She earns a living by buying men and women’s clothes from wholesalers and selling them in retail markets. Her customers like her low prices and wide selection of items for sale. Most people who buy her clothing are neighbors. She earns a minimum of 300 Philippine Pesos (PHP) every day. To help expand her business, she is applying for a loan for PHP 20,000. She will use this loan to buy more items to sell to her customers and enlarge the size of her inventory. She expects this loan to boost her business. Her goal for the future is to buy her own land and house. She faithfully meets up with fellowship* members weekly to share stories of her work and draw strength from her religion.

*All CCT community partners/clients are organized into fellowship groups that meet weekly. A fellowship group is composed of 15 to 30 people who meet to study religion, 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
  • 437
    View loans »
    Philippines Loans Fundraising
  • $69,731,675
    Funds lent in using Kiva
  • 42.4
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $475 helped Marybeth to buy additional items to sell to her customers.
100% repaid
Repayment Term
7 months (Additional Information)
Repayment Schedule
Aug 2, 2012
Sep 13, 2012
Currency Exchange Loss:
Feb 15, 2013