This is Delta, 56 years old and a resident of Cavite City, Philippines. Her husband is Luisito, a carpenter. He and Delta have one child. Delta, together with her husband, manages their household while operating a business.
Delta operates a variety store. In the Philippines, a variety store is basically a small convenience store, which retails groceries, toiletries and beverages piecemeal to the local neighborhood. It is the place to go to buy one packet of shampoo, 5 PHP worth of cooking oil, or an egg. She earns by getting supplies at wholesale prices and reselling them by the piece. Her store is located adjacent to her house. Her regular customers are her neighbors and the local community. She earns a minimum of PHP 600 in sales every day.
To help continue operating her business, she is requesting a PHP 10,000 loan. She will be utilizing the loan to buy groceries, toiletries, and beverages to expand her product inventory. She expects a boost in her business income as she expands her business.
Delta hopes her business will expand and grow into a mini-grocery through all her hard work on her business. She faithfully meets with her co-fellowship* members every week to share stories of their work. It is where she can also draw strength and inspiration from the Word of God.
* 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.