A loan of $375 helped to purchase more orders for delivery to customers.


Irma's story

Irma D. C., 54, lives with a "bayanihan" spirit or a spirit of communal unity in her heart. She is a community partner of CCT*, a wife to Harold, and a doting mother to her children who are in school. She has finished college and is now running her own business in the community where they live in Caloocan City. Irma has a car rental business. But her focus as of the moment is her direct selling business, in which she sells products from beauty brand Avon and apparel brand Boardwalk to friends, business acquaintances, and neighbors. Irma has been doing this business for four years now. Monthly, Irma is able to earn an estimated net income of around 12,000 Philippine pesos (PHP). To help her bring this direct selling to the next level, Irma is requesting a 16,000 PHP loan. She will use this money to purchase more orders for delivery to her customers, such as perfumes, underwear garments, accessories, shoes, bags, and other beauty stuff. Irma says that vacations are hard moments in her business, as few customers come to her to order products. Nevertheless, she exerts her best effort in her business, because she desires to improve her family's living conditions. Remarkably, it is also her desire to help fellow community partners improve their living conditions. She takes her dream a step further by desiring to be an instrument to help others, fostering in them the "bayanihan" spirit along the way. As a CCT community partner, she faithfully attends the group's weekly fellowship* meeting where she can also draw strength and inspiration from the Word of God she received. *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 micro finance loans.



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