Virginia is a resident of Intramuros, Manila, Philippines. She is 44 years old and she is happily married to Pablo who works as a taxi driver. God has blessed them with two loving children and both of them are still studying. Life indeed is hard, but by the grace of God, they were able to raise their children well and they are helping each other in working for their family.
Virginia owns a variety store. This is a small store that can be owned by anyone in the community and the store is just connected to or just inside their houses. This is where you can buy a sachet of shampoo or conditioner, a bar of soap, aPhp5-worth of cooking oil, or an egg and others. She gets her products from a wholesaler at a lower price and then she sells them per piece for a higher price to have profit. Her regular customers are her neighbors, passerby and the people in the community. She earns Php 300 a day.
To be able to expand her inventory, she is requesting a loan of Php 15,000. She will use the loan to buy groceries, toiletries and beverages to expand her product inventory. This loan will be a great help for her in adding more products to her store.
Virginia hopes that her business will expand and dreams that her children will finish their studies. She meets up with her co-fellowship* members to share stories of her life and business every week and draw strength and inspiration from the fellowship 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 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.