This is Bella, 33, resident of Taguig, Philippines. She is married to Jay, an electrician and she is a mother to their children. Together with her husband, Bella manages their household while operating a business. She and her husband are working hard to provide income for their everyday needs.
Bella 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 the item is given to the customer with a one-month-to-pay credit. Dealer’s prices are lower than those in the catalog and the difference represents the profit that dealers are receiving.
Bella's regular customers are her neighbors and the local community. She earns a minimum of PHP 2,000 in sales every week.
To help her continue operations of her business, she is requesting a PHP 15,000 loan. She will be utilizing the loan to buy additional supplies and merchandise products needed in her business, like shampoo, cologne, deodorant, perfume, soap, fabric softener, undergarments, and other products.
Bella dreams that her business will continue to flourish and hopes that her children will finish their studies. 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.
* 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.