Jerlie has run a direct-selling business within her community for almost nine years. She is 32 years old and blessed with four children. Her husband, Danny, works as a mason and they work hand-in-hand to provide for their family's needs.
She sells clothing, footwear, undergarments, cosmetics and other products through popular direct-selling brands like Avon, Fuller life, Natasha, Boardwalk, and Marikina Shoe Exchange. A customer's order is bought in cash by the dealer and then given to the customer with one-month-to-pay credit. Dealer’s prices are lower than those in the catalogue, so they earn profit from these transactions as their income. Her regular customers are her neighbors and the local community. She earns a minimum of PHP 2,000 in sales every week.
Jerlie wants to make her business more profitable to earn a higher income. For this reason, she would like borrow 32,000 PHP to buy additional merchandise like shampoo, cologne, deodorant, perfume, soap, fabric softener, undergarments and other products that are needed to increase her product inventory. She is hoping she will further improve the business through this financial assistance.
Jerlie dreams for her business to grow bigger and hopes to give her children a good life and education. She meets up with her co-fellowship* members to share stories of her life and business every week and also draws 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.