This is Rowena, 42, resident of Dasmariñas Cavite, Philippines. She is married to Wilson, a landscape artist, and is the mother to their six children, five of whom are still studying. She is working hard to send all her children to college, because like most Filipino parents she believes that a college diploma is the best inheritance parents can give their children.
Rowena operates a landscaping business. Together with her husband, she offers landscaping services to those who would like to improve their homes or gardens. She also supplies ornamentals plants and other materials for landscaping to those people who do landscaping as a hobby. She earns a minimum of Php 1500 in sales every day.
To help her continue operating her business, she is applying for a loan of Php50,000. She will be utilizing the loan to buy more landscaping materials needed in her business. She expects a boost in her income as she expands her business.
Rowena dreams of having a new outlet for the expansion of their business and hopes to send all her children to college. 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.
* 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 who 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.