A loan of $250 helped to pay for grocery items and products needed in her business.


Carmelita's story

This is Carmelita, 63, a resident of Silang Cavite, Philippines. She is a widow and mother to her children. She, together with her children, manages their own household while operating the business. At this time, she is working hard to continually provide income for their everyday expenses.

Carmelita operates a variety store. In the Philippines, a variety store is basically a small convenience store which retails groceries, toiletries and beverages piecemeal to the local neighborhood. It is the place to go to buy one sachet of shampoo, 5 PHP-worth of cooking oil or an egg. She earns by getting supplies at wholesale prices and selling by the piece. Her store is located adjacent to her house. Her regular customers are her neighbors and the local community. She earns a minimum of 300 PHP in sales every day.

To help her continue operation of her business, she is requesting a 10,000 PHP loan. She will be utilizing the loan to buy groceries, toiletries and beverages to expand her product inventory. She expects a boost in her business income as she expands her business.

Carmelita hopes to be able to expand soon, just as she hopes to continuously support her children. She faithfully meets up with her co-fellowship* members to share stories of her work every week.

* 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 microfinance loans



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