A loan of $500 helped to pay for grocery items, toiletries and beverages needed in her business.


Emma's story

This is Emma, 43, a resident of Manila, Philippines. Her partner is Inocencio and she is a mother to her children. She, together with her partner, manages their household while operating the business. At this time, she is working hard to continually provide income for their everyday expenses.

Emma 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 PHPs-worth of cooking oil or an egg. She earns by getting supplies at wholesale prices and selling by the piece. Her regular customers are her neighbors and the local community. She earns a minimum of 500 PHP in sales every day.

To help her continue operation of her business, she is requesting a 20,000 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.

Emma hopes to expand her business and dreams to give her children a good and quality education through all her hard work on her business. She faithfully meets up with her co-fellowship* members to share stories of her work every week, and where she also draws 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 repay microfinance loans.



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