This is Arnelfa, 33, a resident of Bacoor, Cavite, Philippines. She is married to Neil, a policeman, and she is a mother. Together with her husband, she manages their household while operating the business. She is working hard to continually provide income for their everyday expenses.
Arnelfa 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 sachet of shampoo, a PHP 5-worth of cooking oil, or an egg. She earns income by getting supplies at wholesale prices and selling by the piece. Her regular customers are her neighbors and the local community. She earns a minimum of PHP 500 in sales every day.
To help her continue the operations of her business, she is requesting a PHP loan of 30,000. She will be using the loan to buy groceries, toiletries and beverages to expand her product inventory. She expects a boost in her income as she expands her business.
Arnelfa hopes to expand her business, and dreams of having a good life through all her hard work on her business. She faithfully meets up with her co-fellowship* members to share stories of her work every week, and she draws strength and inspiration from studying 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.