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This is Helen, 44, a resident of Silang, Cavite, Philippines. She is married to Gregorio, a mechanic, and she is a mother to their children. She and her husband manage their household while operating their business. She is working hard to continually provide income for her family's everyday expenses.

Helen operates a variety store that sells inexpensive items, often with a single price for all items in the store. It is the place to go to buy one sachet of shampoo, 5 PHP-worth of cooking oil, or an egg. She earns a profit by purchasing supplies at wholesale prices and selling them individually. Her regular customers are her neighbors and others in the community. She earns a minimum of 500 PHP in sales every day.

She is requesting a 30,000 PHP loan to help her continue to operate her business. She will use the loan to buy groceries, toiletries, and beverages to expand her product inventory.

Helen dreams of seeing all of her children successful in their careers, and she also hopes to expand her business. Every week, she faithfully meets up with her co-fellowship* members to share stories about her life and her business and to draw strength and inspiration from studying the Word of 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 the Word of God, build social capital, and repay 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
  • 471
    View loans »
    Philippines Loans Fundraising
  • $69,645,400
    Funds lent in using Kiva
  • 40.6
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $750 helped Helen to pay for grocery items, toiletries, and beverages.
100% repaid
Repayment Term
7 months (Additional Information)
Repayment Schedule
Jan 9, 2013
Jan 21, 2013
Currency Exchange Loss:
Jul 17, 2013