A loan of $750 helped to pay for grocery items, toiletries and beverages needed in her business.


Alma's story

This is Alma, 54, a resident of Payatas, Philippines. She is married to Teddie, a driver, and they have children. She and her husband manage their household while operating the business. She works hard to continually provide income for their every-day expenses. Alma 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, five pesos 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 from her sales every day. She is applying for a PHP 30,000 loan to help her continue operating her business. She will use the loan to buy groceries, toiletries and beverages to expand her product inventory. Alma dreams of expanding her business and of giving her children a good, quality, education. She meets with her co-fellowship* members to share stories of her life and business every week, 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 repay Micro Finance loans.



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