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Rowena is 43 years old, married, and has children, four of whom attend school. She is a resident of Batasan, Quezon City, Philippines. She and her husband manage their household as they both work hard for their family.

Rowena buys and sells charcoal. She buys big quantities of charcoal and then sells them per plastic or per sack. She also has a direct selling business and electronic loading station for additional income. Her store is located adjacent to her house. Her regular customers are her neighbors and the local community. She earns a minimum of 550 PHP in sales every day.

To help her continue operations of her business, Rowena is requesting a loan for 35,000 PHP, which she will be use to buy more stocks of charcoal and direct selling products. She dreams that her business will grow stronger and hopes to give her children a good life and education.

Basilia meets up with her co-fellowship members to share stories of her work every week and where she can also draw strength and inspiration from 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 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
  • 360
    View loans »
    Philippines Loans Fundraising
  • $66,135,700
    Funds lent in using Kiva
  • 43.6
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $825 helped Rowena to purchase charcoal and direct Sslling products.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Oct 28, 2013
Nov 19, 2013
Currency Exchange Loss:
Mar 18, 2014