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This is Rosemarie, a 39-year-old resident of Silang, Cavite, Philippines. She is married to Julito, a factory worker, and has children. Together with her husband, she manages their household while operating the business. At this time, she is working hard to continually provide income for their everyday expenses.

Rosemarie operates a school and office supplies business where one can buy pens, bond paper, "cartolina," and the like, without going to a bookstore. She gets the supplies at wholesale prices and sells them individually. Her store is located adjacent to her house and her regular customers are her neighbors and members of the local community. She earns a minimum of Php 500 in sales each day.

To help her continue the operations of her business, Rosemarie is requesting a Php 8,000 loan. She will be utilizing the loan to expand her product inventory.

Rosemarie dreams that her business will continue to grow and hopes that her children will finish their studies. She meets up with her co-fellowship* members every week to share stories of their work and to draw strength and inspiration from 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
  • 342
    View loans »
    Philippines Loans Fundraising
  • $65,913,675
    Funds lent in using Kiva
  • 42.1
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $200 helped Rosemarie to expand her school supplies product inventory.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
May 23, 2013
Jun 9, 2013
Currency Exchange Loss:
Oct 20, 2013