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This is Hazel, 33, a resident of Cabrera, Pasay, Philippines. She is married to Renante, and they have children. Together she and her husband manage their household while working. She works hard to continually provide income for their everyday expenses.

Hazel operates a sari-sari, or variety store where she sells inexpensive items such as a sachet of shampoo, 5 PHPs-worth of cooking oil or an egg. She buys her stock at wholesale then sells it by piece at retail. She also runs a food stall to make extra money. Her regular customers are her neighbors and the local community. She earns a minimum of 500 PHP in sales every day.

Hazel is applying for a 20,000 PHP loan through CCT to buy groceries, toiletries and beverages to expand her inventory. She would like a better stall for her business and hopes to own a house and lot for her family.

Locally, all CCT community partners and clients such as Hazel are organized into fellowship groups that meet on a weekly basis. A fellowship group is composed of fifteen to thirty 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
  • 320
    View loans »
    Philippines Loans Fundraising
  • $70,648,200
    Funds lent in using Kiva
  • 43.6
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $475 helped Hazel to pay for grocery items, toiletries and beverages needed in her business.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Oct 21, 2013
Nov 19, 2013
Currency Exchange Loss:
May 17, 2014