This is Marivic, 42, resident of Tondo, Philippines. She is married to Ralph, a delivery man, and she is a mother. Marivic manages their household while operating her business. At this time, she is working hard to provide income for her everyday expenses.
Marivic maintains a direct-selling business. She sells clothing, footwear, undergarments, cosmetics, and other products from popular direct-selling brands such as 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. Dealers' prices are lower than those in the catalog, and this is how dealers earn a profit and make an income. She also has a Direct Selling business for additional 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 operations of her business, she is requesting a loan of PHP 45,000. She will be use the loan to buy additional supplies and merchandise including shampoo, cologne, deodorant, perfume, soap, fabric softener, undergarments, and other products needed in her business. She expects a boost in her income as she expands her business.
Marivic hopes to have her own house and lot and dreams of giving a better life to her family. She faithfully meets with her co-fellowship members each week to share stories of her work and she can also draw strength and inspiration from the Word of God, which 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.