A loan of $375 helped to pay for additional supplies and merchandise like clothing, footwear, undergarments, and cosmetics needed in her business.


Shirley's story

This is Shirley, 37, a resident of Silang, Cavite, Philippines. She is married to Roderick, a driver and is the mother of their children. She, together with her husband, manages their household while operating the business. She and her husband are working hard to provide income for their everyday needs.

Shirley maintains a direct selling business. She sells clothing, footwear, undergarments, cosmetics and other products through the popular direct selling brands like Avon, Fuller life, Natasha, Boardwalk, Marikina Shoe Exchange, and other direct selling brands. A customer's order is bought in cash by the dealer and then given to the customer with a one-month-to-pay credit. The dealer’s prices are lower than those in the catalogue, and these are the profits that dealers are using as their income. Her regular customers are her neighbors and the local community. She earns a minimum of PHP 2000 in sales every week.

To help her continue operation of her business, she is requesting a PHP 15,000 loan. She will be utilizing the loan to buy additional supplies and merchandise like shampoo, cologne, deodorant, perfume, soap, fabric softener, undergarments and other products needed in her business. She expects a boost in her business income as she expands her business.

Shirley hopes to expand her business and give her children a good future. She meets up with her co-fellowship* members to share stories of her life and business every week and where she can 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 pay microfinance loans.



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