This is Josefina, 57, a resident of Silang, Cavite, Philippines. She is married to Maximo, a farmer, and is the mother of two children who already have their own families. She, together with her husband, manages the household while operating her business. At this time, she is working hard to continually provide income for their everyday expenses.
Josefina operates an ornamental plant business. She grows garden plants that are native to the Philippines like ylang-ylang, golden shower and dahlias, as well as a variety of hanging plants and others. She also grows local banana and pineapple in her small farm for extra income. Her regular customers are local tourists, neighbors and the community. She earns a minimum of 400 PHP in sales daily.
To help her continue her business operations, she is requesting a 20,000 PHP loan which she will use to buy fertilizer and garden supplies for her business. Part of the loan will go to the maintenance of her farm. She expects a boost in her business income as she expands her business.
Josefina dreams of being able to expand her farm and garden through all of her hard work on her business. She faithfully meets up with her co-fellowship members to share stories of her work every week and to draw strength and inspiration from the Word of God she studies.
* 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 microfinance 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.