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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]



 
   
  Accountability Groups
Accountability groups, referred to as fellowships in CCT parlance, are weekly compulsory meetings where partners meet for Bible study, and to pay loan, savings, and insurance installments.

The Bible studies encourage partners to claim God’s promises of hope and fulfillment (Jeremiah 29:11) to them, while strict expectations for loan repayment and attendance reward responsibility, discipline, and the pursuit of excellence. Saving frees partners from hand to mouth living, enabling them to plan for the future, while simultaneously providing a previously nonexistent safety net for times of emergency.

Health Insurance and Life Insurance
These help to mitigate the effects of unforeseen illnesses and disasters on partners.

Housing Loans
CCT offers housing loans to partners with excellent repayment and attendance records. Through various partnerships with Habitat for Humanity and other organizations, partners who desire a new home, or who would simply like to remodel their existing one, are able to see their dreams come to fruition.

Click here to read Anna’s story of how CCT’s housing loan enabled her to build her own home.

Other Programs
CCT also operates an optical and pharmaceutical drug center that offers eye check-ups, glasses, and drugs to partners at reduced prices.

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

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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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