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


Virginia's story

This is Virginia, 37, a resident of Payatas, Philippines. She is married to Leonardo, a mason/carpenter, and they have children. She and her husband manage their household while operating the business. She is working hard to continually provide income for their everyday expenses.

Virginia 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 by getting supplies at wholesale prices and selling by the piece, with a retail mark-up. Her regular customers are her neighbors and the local community. She earns a minimum of PHP 500 in sales every day.

She is requesting a PHP 30,000 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.

Virginia hopes that her business will grow bigger and dreams of having their own house and lot. She meets up with her co-fellowship members* every week, to share stories of her life and business and to draw strength and inspiration from the group 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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