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Praises
  We thank God for what He has done in CCT and we see the great doors that it could open up for the gospel here in the coming years.  [more]

Sharing is Transforming
  “I became less grouchy whereas before, I rarely talked to customers. There were people I used to recognize only by face I now get to help when I can,” she said.  [more]

God’s Word is First
  “the loan facility came in secondary-the spiritual discussions and sharing appealed even more,” she said.  [more]

CCT is Haven from Usury
  a friend asked Gloria for a loan of Php 9,000 to which she agreed on condition of quick pay. This did not happen. This stunted the growth of her small enterprise and she had to resort to usurious 5-6 loans with effective interest rates of 20%.  [more]

Home is still best
  When she visited her daughters in Japan, they wanted to keep her there but she felt that, “It’s good to see new places but home is still best.”  [more]



 
   
 
1. Changing Lives   2. Strengthening Families   3. Transforming Communities
         
Thirty four percent of the population in the Philippines is poor. Those trapped in the cycle of poverty are born into families that lack the resources to send their children to school, to provide for their basic nutritional needs, and to, in general, ensure a proper environment for them to develop, much less reach, their God-given potential.

A small injection of capital breaks this cycle of poverty.

Microfinance loans and accountability structures enable hardworking people to grow their businesses into economic engines that generate enough income to provide previously lacking life-essentials such as food, housing, basic health care, and the hope for a brighter future.

The Center for Community Transformation (CCT) equips its partners with the capital and motivational structures through which life changing empowerment occurs.

CCT partners meet weekly in accountability groups where they study the Bible, repay their loans, and increase their savings.

CCT also provides such services as life insurance, health insurance, and housing loans in order to equip partners with tools that help them to improve their quality of life.

Because 98% of CCT’s partners repay their loans, the same capital and resources that empower one family also equips another family for moral and economic transformation.

Microfinance is a proven method of transforming the economic and moral conditions of entire communities.

Through conscientious stewardship and a commitment to excellence, CCT has fine-tuned the art of microfinance so that some of the branches in operation now pay for themselves. Any additional income generated by these branches is reinvested back to the partners in the form of other programs that benefit them and their families.

When you contribute to CCT, you invest in a ministry that lifts communities out of physical, spiritual, and emotional poverty.

 
 
Center for Community Transformation
5/F Joshua Center, Taft Avenue, Ermita, Manila, Philippines
Tel. (632) 524-1819 | Email: ho@cct.org.ph

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