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This is Ronald, 40, a resident of GMA, Cavite in the Philippines. He is married to Marianne, the mother of their children. He and his wife work hard and manage their household together.

Ronald runs a sari-sari, which is basically a small convenience store where groceries, toiletries and beverages are sold piecemeal to the local neighborhood. It is the place to go to buy one packet of shampoo, five PHP’s worth of cooking oil or an egg. He buys his goods wholesale, then sells them at retail prices. His store is next to his house, and his regular customers are his neighbors and the local community. He earns a minimum of 350 PHP a day in sales.

To help him continue operations, he is applying for a 19,000 PHP loan through CCT to buy groceries, toiletries and beverages to expand his inventory. He hopes to grow his business and dreams of all his children finishing school.

Locally, all CCT community partners and clients, of which Ronald is one, 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 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
  • 329
    View loans »
    Philippines Loans Fundraising
  • $65,925,350
    Funds lent in using Kiva
  • 43.3
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $450 helped Ronald to buy more stock for his business.
100% repaid
Repayment Term
7 months (Additional Information)
Repayment Schedule
Jun 10, 2013
Jul 5, 2013
Currency Exchange Loss:
Dec 17, 2013