A loan of $575 helped to pay for merchandise and products needed in her business.

Ernelyn's story

This is Ernelyn, 39, a resident of Taguig City, Philippines. She is married to Domingo. She is an employee and a mother of three children. She, together with her husband and children, manages their household while operating the business. At this time, she works hard to continually provide income for her everyday expenses.

Ernelyn maintains a direct selling business. She sells clothing, footwear, undergarments, cosmetics and other products through popular direct selling brands like Avon, The Fuller Life, Natasha, Boardwalk, Marikina Shoe Exchange, and others. A customer's order is bought in cash by the dealer and then given to the customer who then has one month to pay. The dealer’s prices to buy the merchandise are lower than the prices in the catalog, and the remainder of the customer's price is the profit that dealers can expect as their income. Her regular customers are her neighbors and the local community. She earns a minimum of PHP 4500 in sales every week.

To help her continue operations of her business, she is requesting a PHP 25,000 loan. She will be utilizing the loan to buy merchandise and orders for her customers. She expects a boost in her business income as she expands her business.

Ernelyn fervently hopes that her children will be able to graduate one day and hopes to grow her business in the coming years. She faithfully meets up with her co-fellowship members to share stories of her work every week and also draw strength and inspiration from 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 pay Micro Finance loans.

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