This is Felicisima, a resident of Quezon City, Philippines. She is a single parent with three children currently studying in elementary school. She keeps herself busy attending to her kids and business. She wants to provide a comfortable life for her family.
Felicisima maintains a direct selling business. She sells herbal supplements. Her customers' orders are bought in cash by the dealer and then given to the customer on a cash basis. Dealer’s prices are lower than those in the catalogue, and these are the profits that dealers are counting on as their income. Her regular customers are her neighbors and the local community who prefer taking herbal medicines to cure their ailments. She earns a minimum of Php550 in sales every day.
To help her continue the operation of her business, she is requesting a Php 31,000 loan. She will be utilizing the loan to buy herbal supplement orders for her customers. The herbal supplements that she carries produce good results for her clients and they recommend them to friends who they believe need them, too. To date, she has received plenty of orders and she needs additional capital.
Felicisima dreams of being able to give all her children a good and high quality education through all her hard work on her business. She aspires to attain a good position in her direct selling business and to be able to have a kiosk someday where she can display her herbal supplement items. She faithfully attends the weekly fellowship* that allows her to share her own story of God’s love and provision in her life.
* 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.
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.