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Jonalyn is 36 years old, a resident of Caloocan City, Philippines, and married to Rafael. She is a vendor and a mother to her children. She, together with her husband, manages her household while operating a business. At this time, she is working hard to continually provide income for her everyday expenses.

Jonalyn operates a food stall. In the Philippines, the whole working community and most of the families eat home-cooked meals only during evenings when all of the family members are at home to take part in the meal. This is not only the usual family tradition but a matter of convenience and frugal living. It is considered a waste of time and money to use cooking gas and food for one to two persons when buying cooked rice and viands costs less than buying raw food. Her regular customers are her neighbors and the local community. She is also into a direct-selling business for additional income. She earns a minimum of 600 Philippine pesos (Php) in sales every day.

To help her continue operating her business, she is requesting a loan of Php20000. She will be using the loan to buy greater quantities of products such as meats, rice, vegetables, condiments and seasonings, and frozen food products. She expects a boost in her business income as she expands her business.

Jonalyn hopes that her business will expand soon and dreams of giving her children a high-quality education. She faithfully meets with her co-fellowship members every week to share stories of her work; this is where she can also draw strength and inspiration from the Word of God she studies.

* 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
  • 456
    View loans »
    Philippines Loans Fundraising
  • $69,650,875
    Funds lent in using Kiva
  • 41.1
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $500 helped Jonalyn to pay for raw ingredients and products needed in her business.
100% repaid
Repayment Term
7 months (Additional Information)
Repayment Schedule
Dec 13, 2012
Dec 16, 2012
Currency Exchange Loss:
Jun 17, 2013