This is Vivian C.. She is 47 years old and is a resident of Pasay City, Philippines. She is married to Edwin C., a fisherman, and is mother to their children. By the grace of God, Vivian 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. This is a dream for most Filipino parents like Vivian, as she herself has been a college undergraduate and believes that a college diploma is the best inheritance parents can leave to their children.
Vivian operates a cellular phone loading station while also managing their variety store and bed rental business (where she rents out bed space to travelers and students). In her phone loading business, Vivian buys electronic cellular phone loads in large amounts then retails it for how much the customer is paying. How much profit is generated depends on the networks' policy for their dealerships. She may buy Php 3000 worth of loads for Php 2500 and gain Php 500 in profit, depending on promos and quota set by the networks.
Vivian is also readying a few pigs for slaughter and trading a variety of products to earn income. For her variety store, she sells basic commodities such as groceries, rice, egs, cooking oik and the like, at piece rate to her neighbors.
To help continue the operations of her business, Vivian is requesting a Php 20,000 loan. She will invest some of the loan to buy electronic loads from different local networks. She expects a boost in her business income as she expands her business.
Vivian hopes to be able to expand soon, and have more boarding houses to rent out to her customers. She also prays that she will be able to lead her whole family to her personal Lord and savior, the Lord Jesus Christ. 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 pay 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.