This is Joseph, 39, a resident of Malibay, Pasay, Philippines. He is married to Digna, his business partner, and they have children. He and his wife manage their household while operating the business. At this time, he is working hard to continually provide income for his everyday expenses.
Joseph operates a food stall. In the Philippines, the whole working community and most of the families only eat home-cooked meals during evenings where all of the family members are at home to take part in the meal. This is not only a usual family tradition, but a matter of convenience and frugal living. It is considered a waste of money and time to spend cooking gas and food for one to two persons when buying cooked rice and viands cost less than raw food.
He also has a variety store for additional income. His regular customers are his neighbors and the local community. He earns a minimum of PHP 500 in sales every day.
To help him continue operations of his business, he is requesting a PHP 15,000 loan. He will use the loan to buy more quantities of products like meats, rice, vegetables, condiments and seasonings, and frozen food products.
Joseph dreams that his business will get bigger and hopes that his children will finish their studies. He meets up with his co-fellowship* members every week to share stories of his work and where he can also draw strength and inspiration from the Word of God he 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.