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George is 48 years old and he is married with children. As a way of generating income, he has engaged in a variety store business within his community in Iloilo, Philippines for eight years now. He, together with his wife, works hard to provide for the everyday needs of their family. They also manage a food stall business.

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 by getting supplies at wholesale prices and selling by piece. His regular customers are his neighbors and the local community. He earns a minimum of Php500 in sales every day.

Due to financial insufficiency, George wants to make his business more profitable in order to earn a higher income. For this reason, he would like to request a loan amounting to 15,000 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.

George hopes for his business to develop and prosper. He dreams for his children to finish their studies. He meets up with his co-fellowship* members to share stories of his life and business every week, and he can also draw strength and inspiration from the fellowship and the Word of God 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
  • 394
    View loans »
    Philippines Loans Fundraising
  • $70,831,400
    Funds lent in using Kiva
  • 43.8
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $350 helped George to pay for grocery items, toiletries and beverages needed in his business.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Aug 29, 2014
Aug 22, 2014
Currency Exchange Loss:
Mar 17, 2015