This is Jowelyn, 26, a resident of Dasmariñas, Cavite, Philippines. She is married to Jose, and a mother to their children. She, together with her husband, manages their household while operating a business. She and her husband are working hard to provide income for their family's everyday needs.
Jowelyn maintains a direct-selling business. She sells clothing, footwear, supplements, and products such as lotions and house cleaning products, through suppliers like Marikina Shoe Exchange and Ever Green. A customer’s order is bought in cash by the dealer, and then delivered to the customer with a one-month-to-pay credit. Dealers pay less for the products than the retail customers' prices listed in the catalog, and the difference is profit to the dealer on each sale. Jowelyn also sells processed and frozen foods, for additional income. Her regular customers are her neighbors and the local community. She earns a minimum of PHP 2,000 in sales, every week.
To help her continue the operation of her business, she is requesting a PHP 17,000 loan. She will use the loan to buy additional products and merchandise, like clothing, footwear, and Ever Green supplements. She expects a boost in her business income, as she expands her business.
Jowelyn hopes that her business will continue to grow and dreams that her children will finish their studies and live happily. She meets with her co-fellowship members* every week, to share stories of her life and business, and to draw strength and inspiration from the group and 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.