This is Analyn G., 28, resident of Caloocan City, Philippines. She is married to William G., a taxi driver, and mother to their children. By the grace of God, Analyn has managed to support her children's schooling. At this time, she is working hard to be able to send all of them all the way through college--dream for most Filipino parents like Analyn, as she herself was a college undergraduate and believes that a college diploma is the best inheritance parents could leave to their children.
Analyn maintains a direct sales business. She sells clothing, footwear, undergarments, cosmetics and other products through the popular direct sales brands like Avon, Fullerlife, Natasha, Boardwalk, Marikina Shoe Exchange, and other direct sales brands. A customer's order is paid for in cash by the dealer and then given to the customer with a one-month-to-pay credit. Dealer’s prices are lower than those in the catalogue, and these are the profits that dealers are counting on as their income. Her regular customers are her neighbors and the local community. She earns a minimum of Php 2,000 in sales every week.
To help her continue operations of her business, she is requesting a Php 24,000 loan. She will be utilizing the loan to pay for merchandise to fill orders for her customers. She expects a boost in her business income as she expands her business.
Analyn dreams of being able to give all her children a good and high quality education through all her hard work on her business. She also wants to have a rice retailing outlet to manage someday. She faithfully meets up with her co-fellowship* members to share stories of her work every week.
* 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.
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.