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This is Jenny, 42, a resident of Cabrera, Pasay, Philippines. She is married to Jessie, a vendor, and she is a mother to their children. Jenny, together with her husband, manages their household while operating her business. She works hard to provide income for their everyday expenses. Jenny has been in this business for 23 years now.

Jenny operates a buy-and-sell business. What she basically does is buy general merchandise from wholesalers and resells it for a little profit. Her products are men's and women’s clothes and other products of the like. Customers are attracted to buy due to her low prices and the many options she offers. Her regular customers are her neighbors and the local community. Jenny earns a minimum of 300 Philippine Pesos (PHP) in sales every day.

To help her continue operations of her business, Jenny is requesting a loan of PHP 20,000. She will use the loan to buy ready-to-wear products and merchandise such as jackets, shirts, and polos for men and women to expand her product inventory.

Jenny hopes that her business will get bigger. She dreams of giving her children a good life and education. She faithfully meets up with her co-fellowship* members every week to share stories of her life and business and to draw strength and inspiration from the Word of God, which 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 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
  • 481
    View loans »
    Philippines Loans Fundraising
  • $69,789,400
    Funds lent in using Kiva
  • 40.7
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $500 helped Jenny to pay for additional stock of merchandise such as jackets, shirts, and polos for men and women which are needed in her business.
100% repaid
Repayment Term
7 months (Additional Information)
Repayment Schedule
Feb 8, 2013
Feb 15, 2013
Currency Exchange Loss:
Aug 17, 2013