A loan of $625 helped to pay cash for additional merchandise, like powder, undergarments and lotion, which she will resell to customers on credit.

Minerva's story

This is Minerva, 62, a resident of Manila, Philippines. She is married to Manuel, a laborer, and she is a mother to her children. She manages their household while operating the business. She is working hard to continually provide income for their everyday expenses.

Minerva 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 (Minerva), and then given to the customer with a one-month-to-pay credit. Dealer’s prices are lower than the retail prices in the catalogues, and this difference in the prices makes up the profits that dealers count 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 operating her business, she is requesting a PHP 25,000 loan. She will use the loan to buy additional merchandise, like shampoo, cologne, deodorant, perfume, soap, fabric softener, undergarments, and other products her customers have ordered. She expects a boost in her business income as she expands her business.

Minerva hopes to grow her business in the coming years and dreams that her youngest child will finish college. She faithfully meets with her co-fellowship members* every week, to share stories of her work 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 Micro Finance loans.

Loan details

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Loan details