This is Elizabeth, 30, resident of Bacoor, Cavite City, Philippines. Her husband is Nestor, an employee, and father to her two children. She, together with her husband, manages their household while operating the business. At this time, she is working hard to continually provide income for their everyday expenses.
Elizabeth maintains a direct selling business. She sells clothing, footwear, undergarments, cosmetics and other products through popular direct selling brands like Avon, 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 with a one-month-to-pay credit. Dealer prices are lower than those in the catalog, and these are the profits that dealers are making as their income. Her regular customers are her neighbors and the local community. She earns a minimum of 2,000 Philippine Pesos (PHP) in sales every week.
To help her continue operations of her business, she is requesting a PHP 8,000 loan. She will be using the loan to buy merchandise and orders for her customers. She expects a boost in her business income as she expands her business.
Elizabeth fervently hopes that her children will be able to graduate one day. She faithfully meets up with her co-fellowship members to share stories of her work every week and it is 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. The fellowship groups gather each week to study the Word of God, build social capital, and pay 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.