Ruth Callanta obtained her Master in Management degree in 1986. After graduating from AIM, she established the Center for Community Transformation whose mission was to help build and transform communities where members enjoy prosperity, justice, peace and good health. Through her leadership, the CCT Credit Cooperative has released loans worth P 1.6 Billion to more than 100,000 micro-entrepreneurs as of the end of 2007, with an amazing 98.5% repayment rate. With 100,000 urban poor families provided with a source of income, 50,000 given jobs, and more than 500 community leaders serving their communities, Ms. Callanta has indeed made a remarkable difference to the less fortunate in society.