For some, work is only a means to meet a higher need in life. This is the case of Rochelle, 32. Rochelle graduated from high school, but was not able to continue to college. At present, she is a single mom to one child, whom she loves and cares for dearly. They live in Pasay City with Rochelle’s other family members. Rochelle is also active in her role as a community partner in CCT. 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 studies.
Rochelle has a store where she cooks meals for customers and sells varieties of daily essentials, from toiletries to instant food. The store is located adjacent to their house for efficient management on her side as she serves her fellow community members. Rochelle has stayed long in the business, and her family helps her in managing the store. She earns around 15, 000 PHP in terms of monthly net income.
To help her sustain her business, which is the primary source of her income, Rochelle applies for a 13,000 PHP loan. Purchasing necessary goods for her store is the main use of this loan. She plans to buy meat, fish, and vegetables to come up with delicious, healthy meals which her customers would surely love. She will also purchase stocks of seasonings, dairy products, and toiletries to meet the needs of her customers. Rochelle says that the loan helps her meet the daily needs of her family, as well as the finances needed for the education of her child.
Rochelle confesses that competition is her toughest challenge at present. There are a lot of stores having the same products that she has, and so she finds it hard to elicit loyalty among her customers. Sometimes the meals she cooked were not all sold, and she was forced to lower the price just to call it a day. But Rochelle never entertains the thought of defeat because her life—and the life of her family—hinges on the success of her business. This is where she will draw money for the medication of her child, the payment of the house bills, and much more. That is why her prayer is for her business to grow profitably and for her family to stay strong and united.
*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.