Just as she is taught in her entrepreneurial training as a community partner in CCT, Anna Victoria C., 36, chooses not to settle for anything less than what she can get. She is only a high school graduate but at present she has a business she can call her own. Anna is married to Bobby, a printing operator. They have four children of which three are already studying. The youngest is still not of school age. Their family resides in Pasay City, Metro Manila.
Anna’s business centers on electronic load for mobile phones. She capitalizes on the huge demand for mobile communication and the means to be connected to others via call or text. She sells electronic load for Smart, Globe, and Sun network clients. Also, she buys and sells biscuits like choco chips in the neighborhood. With no assistants hired to help her, she is able to earn 11,000 Philippine pesos monthly.
To level up her business, she borrowed 11,000 PHP. This will greatly help her grow her business as she needs more money on hand to stock load for sale. With this loan, she can be assured that she will not run out of load to sell to customers who need it anytime of the day. Also, she plans to venture into the rice selling business, as rice is also a sought-after commodity elsewhere in the country. The loan also helps her save up and be able to buy things her children need.
The problem of lacking finances to stock electronic load for retailing pushed Anna to get a loan and set things right in her business. She also finds it hard to collect payments from neighbors with long lists of debts. Her health is also one major problem. Nevertheless, the encouragement she gains from the fellowship in CCT helps her not to lose hope. She dreams of having a bigger store and a bigger home which they can really call their own. To reach this goal, she looks for other possible sources of income. Just like any other parent, it is her desire to see her children finish their studies.
As a CCT community partner, she faithfully attends the group's weekly fellowship* meeting where she can also draw strength and inspiration from the Word of God she receives.
*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.