A loan of $300 helped to buy grocery items, toiletries and beverages to resell.


Joy's story

Joy, 32 years old, is a resident of Silang, Cavite, Philippines. She is married to Walden, a driver and a mother to their child. She and her husband manage their household while operating the business. She is working hard to continually provide income for their everyday expenses. Joy operates a variety store. In the Philippines, a variety store is a retail store that sells inexpensive items, often with a single price for all items in the store. It is the place to go to buy one sachet of shampoo, a Php5-worth of cooking oil, or an egg. She earns income by buying supplies at wholesale prices and selling items individually. Her regular customers are her neighbors and the local community. She earns a minimum of Php500 in sales every day. She is requesting a Php 12,000 loan to help her continue in the operation of her business. She will use the loan to buy groceries, toiletries and beverages to expand her product inventory. She expects an expansion in her business income as she enlarges her business. Joy hopes her variety store will go a long way and dreams to give her child a good education. She faithfully meets up with her co-fellowship* members to share stories of her life and business every week and to also draw strength and inspiration from the fellowship and 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.



Loan details


Lenders and lending teams



Loan details