A loan of $1,175 helped to pay for raw ingredients and products needed in her business.

Celma's story

This is Celma, 55, a resident of Bacoor, Cavite, Philippines. She is married to Carlito, a contractor. Along with her husband, she manages their household while operating the business. At this time, she is working hard to continually provide income for their everyday expenses.

Celma operates a food stall. In the Philippines, the whole working community and most of the families only eat home-cooked meals in the evenings when all of the family members are at home to take part in the meal. This is not only a usual family tradition but a matter of convenience and frugal living. It is considered a waste of money and time to spend cooking gas and food for one to two persons when buying cooked rice and viands costs less than raw food. She also sells ready-to-wear clothing for additional income. Her regular customers are her neighbors and members of the local community. She earns a minimum of PHP 500 in sales every day.

To help her continue operating her business, Celma is requesting a PHP 50,000 loan. She will use the loan to buy more quantities of meats, rice, vegetables, condiments, seasonings, and other products needed in her business. She expects a boost in her business income as she expands her business.

Celma hopes to grow her business and dreams of being able to give her family a good future through her hard work on her business. She faithfully meets up with her co-fellowship members* to share stories of her work every week and to 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 microfinance loans.

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