A loan of $475 helped to pay for products ordered for her customers.


Josephine's story

This is Josephine, 50, a resident of Manila, Philippines. Her husband is Segismundo. She is a mother of 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 her everyday expenses. Josephine maintains a direct selling business. She sells clothing, footwear, undergarments, cosmetics and other products through the 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’s prices are lower than those in the catalogue, and these are the profits that dealers are investing on 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 20,000 loan to buy more orders for her customers. She expects a boost in her business income as she expands her business. Josephine hopes to be more successful n her business and dreams of being able to give her children a good future and high quality education through all her hard work in her business. She faithfully meets up with her co-fellowship members to share stories of her work every week and 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.



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