This is Nenita, who is 56 years old and a resident of Batasan, Philippines. She is married to Levi, a vendor, and is a mother to her children. Together with her husband, she manages their household while operating a direct-selling business. At this time, she and her husband are working hard to earn income for her everyday expenses.
Nenita sells clothing, footwear, undergarments, cosmetics and other products through popular direct-selling brands like Avon, Fuller life, Natasha, Boardwalk and Marikina Shoe Exchange. The dealer pays for a customer’s order in cash and gives the customer one month to pay. The prices for dealers are lower than those in the catalogues, which customers pay. It’s the difference between the two that the dealers earn as income.
Nenita’s regular customers are her neighbors and members of her local community. She earns a minimum 2,000 Philippine pesos (PHP) in sales every week. To help her continue operating of her business, she is requesting a loan of 20,000 PHP to buy additional supplies and merchandise needed for her business, such as shampoo, cologne, deodorant, perfume, soap, fabric softener, and undergarments. She expects to boost her income as she expands her business.
Nenita hopes to expand her business and have a canteen. She also dreams of having her own house for her family. She faithfully meets up with her co-fellowship members every week to share stories of her work and to draw strength and inspiration from the word of God.*
*All CCT community partners and clients are organized into fellowship groups that meet weekly. 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.