A loan of $1,000 helped additional stock to replenish current store inventory.


Esnarda's story

As the saying goes, opportunity knocks only once. Esnarda M. knows this truth and grabs every opportunity that comes her way. Esnarda, 63, reached elementary school. She is a widow who raised her three working children. Together, they live in Pasay City, Philippines.

Esnarda presently runs a sari-sari (variety) store, in which she sells items that are needed daily by neighbors in her community. Products on her shelves range from soap bars to candies and energy drinks to rice. Also, she has an alkaline water-making machine with which she adds to the income of the family. Having been at least five years in business, she knows how to pay her dues on time. She also has an excellent reputation with her fellow community partners in CCT* and, most important, her customers. Monthly, she is able to earn an average of 10,000 Philippines pesos (Php).

To help her continue operation of her business, she is requesting a Php 44,000 loan. She intends to use this money to purchase more products for her store, all the more now that the Christmas season is fast approaching. She also plans to charge up her alkaline water business so that it will also become profitable. Esnarda plans to take this opportunity to drive her businesses toward more profitability.

Esnarda's life is never without challenges, both in her business and personal life. Nonetheless, she stays focused on the opportunities that lie ahead, and not on the failures of yesterday or the worries of today.


*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.



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