This is Nemesia, 58, a resident of Intramuros, Manila, Philippines. She is married to Nilo, a taxi driver and a father to her children. She and her husband manage their household while operating the business. At this time, she is working hard to continually provide income for their everyday expenses.
Nemesia operates a buy-and-sell business. What she basically does is buy biscuits from wholesalers and then sells the biscuits to customers for a profit. She also does a rug-making business for additional income. Her regular customers are her neighbors and the local community. She earns a minimum of PHP 350 in sales daily.
To help her continue operations of her business, she is requesting a PHP 12,000 loan. She will use the loan to buy more stock of different biscuits to expand her product inventory. She will also use the loan to buy additional supplies and merchandise products like clothing, footwear, undergarments, and cosmetics needed in her business.
Nemesia dreams that her business will continue to grow and hopes that her children will finish their studies. She meets every week with her *co-fellowship members to share stories of her work and to also draw strength and inspiration from the Word of God she studies.
* All CCT community partners / clients are organized into fellowship groups 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.