This is Melencia, 53, a resident of Dasmariñas, Cavite, Philippines. She is married to Reynaldo and is a mother to their children. She, together with her husband, manages their household while operating the business. She and her husband are working hard to provide income for their everyday needs.
Melencia maintains a direct-selling business. She sells clothing, footwear, undergarments, cosmetics and other products through the popular direct selling brands like Avon, Fuller Life, Natasha, Boardwalk, Marikina Shoe Exchange, and other direct-selling brands. A customer's order is bought in cash by the dealer and then given to the customer with a one-month-to-pay credit. Dealers' prices are lower than those in the catalogue, and these are the profits that dealers are counting on as their income. Her regular customers are her neighbors and the local community. She earns a minimum of 2,000 PHP (Philippines pesos) in sales every week.
To help her continue operations of her business, she is requesting an 8,000 PHP loan. She will be utilizing the loan to buy additional supplies and merchandise products like shampoo, cologne, deodorant, perfume, soap, fabric softener, undergarments and other products needed in her business.
Melencia hopes to grow her business and have more branches. She meets up with her co-fellowship* members to share stories of her life and business every week, and this is where she can also 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 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.