This is Emma, 56, a resident of Quezon City, Philippines. She is married to Jose, an OFW (Overseas Filipino Worker). She is a mother of four children. She, together with her children, manages their household while operating the business. At this time, she is working hard to continually provide income for their everyday expenses.
Emma owns a sari-sari store. She buys groceries like canned goods, condiments, milk, sugar and primary commodities that are needed in every household. She earns money by getting supplies at wholesale prices and selling by the piece. Aside from this, she also sells direct selling products by means of a catalogue. Her store is located adjacent to her house. Her regular customers are her neighbors and the local community. She earns a minimum of 500 Philippine Pesos (PHP) in sales every day.
She is requesting a loan of PHP 13,000 that will help to continue her operations. She will use the loan to buy additional grocery items and accommodate the orders in her direct selling business. Her profits allow them to enjoy some comforts in life and secure their children’s future.
Emma dreams of improving their family living. She is hopeful that her business will continue to grow. She never fails to attend the fellowship* every week as it inspires her to grow more spiritually and 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 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.