This is Elvera, 39, a resident of Manila, Philippines. She is married to Ricardo, an employee, and is a mother of children. Together with her husband, Elvera manages their household while operating a business. She is working hard to continually provide income for their everyday expenses.
Elvera 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 pesos-worth of cooking oil, or an egg. Elvera earns profit 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 operating her business, she is requesting a PHP 50,000 loan. She will use 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.
Elvera hopes to have a car and dreams of expanding her business. 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 repay 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.