This is Helen, 58, a resident of Silang, Cavite, Philippines. She is married to Montano, a farmer, and she is a mother to her children. She and her husband are managing their household while operating a business. They are working hand-in-hand to provide income for their everyday expenses.
Helen owns and oversees operations of their jeepney (see footnote) transportation business. She has one unit (14-16 person capacity) of jeepney, which is paying boundary (daily quota) each day. Her regular customers are her neighbors and the local community. She earns a minimum of PHP 1,000 every day.
To help her continue operation of her business, she is requesting a PHP 17,000 loan. She will be utilizing the loan to buy spare parts and to pay for the maintenance of her jeepney unit. She expects a boost in her business income as she expands her business.
Helen hopes to expand her business and dreams of having a good life. Every week, she meets up with her co-fellowship* members to share stories of her life and business and to draw strength and inspiration from the fellowship and the Word of God she studies.
Note: Curiously, Jeepneys have purely American origins. They were first used by American soldiers helping the Philippines throw off the invading Japanese. Filipino ingenuity, however, managed to see this vehicle as an opportunity to earn money and modified the jeep into a 20-seat jeepney, open enough to provide adequate ventilation, sturdy for everyday travel, and cheap enough to buy and maintain. Now, the jeepneys are one of the things that make the Philippines truly Filipino.
* All Center for Community Transformation (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.