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This is Agripina. She is 66 years old and currently resides with her husband, Federico, in Araneta, Quezon City, Philippines. She has been operating her own “sari-sari” (variety) store for more than five years, and she earns well from this. She and her husband have to work hard, but are determined to have a better income for their family.

In the Philippines, a variety store is basically a small convenience store which retails groceries, toiletries and beverages piecemeal to the local neighborhood. It is the place to go to buy one sachet of shampoo, a PHP5-worth of cooking oil, or an egg. She earns by getting supplies at wholesale prices and selling by the piece. Her regular customers are her neighbors and the local community. She earns a minimum of PHP 500 in sales every day.

To improve sales, Agripina would like to apply for a loan to purchase more grocery items, toiletries and beverages needed in her business. With the amount of 22,000 PHP (Philippine Pesos), she could already purchase larger quantities and more varieties of grocery items, toiletries and beverages.

She sincerely sends you her heartfelt thanks and appreciation for this assistance.

In the future, Agripina dreams that her business will continue to flourish and hopes that her family will always be in good health. She meets up with her co-fellowship* members every week to share stories of her life and business and to draw strength and inspiration from the fellowship and the Word of God, which she studies.

*All CCT (Center for Community Transformation Credit Cooperative) 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 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
  • 396
    View loans »
    Philippines Loans Fundraising
  • $69,611,525
    Funds lent in using Kiva
  • 43.3
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $525 helped Agripina to pay for grocery items, toiletries and beverages needed in her business.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Jul 10, 2014
Jul 29, 2014
Currency Exchange Loss:
Feb 20, 2015