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Jeralyn is a resident of Cabrera, Pasay, Philippines. She is 30 years old and is happily married to Robinson. God has blessed them with three loving children. Her eldest is the only one who goes to school since her other two children are still very young. Life indeed is hard. But, by the grace of God, they were able to raise their children well and they are helping each other in working for their family.

Jeralyn owns a variety store. This is a small store that can be owned by anyone in the community and the stores are connected to or just inside their houses. This is where you can buy a sachet of shampoo or conditioner, a bar of soap, 5 PHP of cooking oil, an egg, or other products. She gets her products from a wholesaler at a lower price. Then she will sell them per piece, for a higher price, to have profit. Her regular customers are her neighbors, passerby, and the people in the community. She earns 300 PHP a day.

To be able to expand her inventory, she is requesting 17,000 PHP. She will use the loan to buy groceries, toiletries, and beverages to expand her product inventory. This loan will be a great help to her to add more products to her store.

Jeralyn hopes that her business will grow and expand. She dreams that her children will finish their studies. She meets up with her co-fellowship members* to share stories of her life and business every week. There she can also draw strength and inspiration from the fellowship and 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 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
  • 438
    View loans »
    Philippines Loans Fundraising
  • $70,831,400
    Funds lent in using Kiva
  • 43.4
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $400 helped Jeralyn to pay for grocery items, toiletries, and beverages needed for her business.
100% repaid
Repayment Term
7 months (Additional Information)
Repayment Schedule
Jul 4, 2013
Jul 21, 2013
Currency Exchange Loss:
Jan 17, 2014