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Ronnie is 45 years old, married, and has children. He has earned an income through a variety store business within his community in Coron Palawan, Philippines for ten years. He and his wife work hard to provide for the everyday needs of their family. Ronnie’s family was affected by super typhoon Haiyan which swept through the Philippines last November 8, 2013. He has restarted his business and is committed to regain what they lost.

In the Philippines, a variety store is a retail store that sells inexpensive items, often with a single price for all items in the store. It is the place to go to buy one sachet of shampoo, a Php5-worth of cooking oil, or an egg. He earns a profit by getting supplies at wholesale prices and selling them by the piece. His regular customers are his neighbors and the local community. He earns a minimum of 500 PHP in sales every day.

Due to limited funds, Ronnie wants to make his business more profitable in order to earn a higher income. For this reason, he would like to borrow 50,000 PHP (Philippines pesos) to buy additional grocery items that are needed. He is hoping that he will further improve the business through this financial assistance.

Ronnie hopes to expand his business and to send his children to school and provide them with a better future. He meets weekly with his co-fellowship* members to share stories of his life and business and draw strength and inspiration from the fellowship and the Word of God that he 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
  • 483
    View loans »
    Philippines Loans Fundraising
  • $69,648,700
    Funds lent in using Kiva
  • 43.3
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,175 helped Ronnie to pay for grocery items, toiletries and beverages.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Jun 25, 2014
Jul 14, 2014
Currency Exchange Loss:
Jan 17, 2015