A loan of $250 helped to pay for grocery items, toiletries, and beverages needed in her general store business.

Nemia's story

This is Nemia, 43, resident of Intramuros, Philippines. She is married to Bienvenido, a driver and a father to her children. She together with her husband manages their household while operating the business. She is working hard to continually provide income for their everyday expenses.

Nemia operates a variety store. In the Philippines, a variety store is basically a small convenience store, which retails groceries, toiletries, beverages, and piecemeal to the local neighborhood. It is the place to go to buy one sachet of shampoo, a PHP 5 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 PHP 500 in sales every day.

To help her continue operations of her business, she is requesting a PHP 10,000 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.

Nemia hopes that her children will finish their studies. She faithfully meets up with her co-fellowship* members to share stories of her work every week and 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 Micro Finance loans.

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