This is Heidi L., 42. She is a resident of Caloocan City, Philippines. She is married to Leonardo L. and together they have four children, two of whom are already working. One child is still studying in college, while the youngest is just barely able to toddle around at home. By the grace of God, Heidi has managed to support her children's schooling up to college level. At this time, she is working hard to continually provide income for their everyday expenses.
Heidi has her own frozen-food business. She sells spiced hams, sweetened pork and native sausages and other delicacies of a popular brand. She earns income by getting supplies in at a wholesale price and selling at a piece rate on credit. Her store is located adjacent to her house. Her regular customers are her neighbors and the local community. She earns a minimum of 300 Philippine pesos (Php) in sales every day.
To help her continue operations of her business, she is requesting a Php 10,000 loan. She will be utilizing the loan to buy more quantities of products to expand her product inventory. She expects a boost in her business income as she expands her business.
Heidi dreams to be able to have her own business stall soon, just as she fervently wishes her children finish their education. She faithfully meets up with her co-fellowship* members to share stories of her work every week.
* 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.