This is Elvira, 39, resident of Bacoor, Cavite, Philippines. She is married to Celestino, a school bus driver, and is a mother to her children. Together with her husband, Elvira manages their household while operating her business. Currently, she is working hard to provide income for her everyday expenses.
Elvira 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 other direct selling brands. 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 PHP 2,000 in sales every week.
To help her continue the operation of her business, she is requesting a PHP 13, 000 loan. She will be utilizing the loan to buy orders for her customers. She expects a boost in her business income as she expands her business.
Elvira hopes to grow her business in the coming years and dreams to have a good life for her family. She faithfully meets up with her co-fellowship members to share stories of her work every week, and where he can also draw strength and inspiration from the Word of God that 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.