A loan of $250 helped to pay for grocery items, toiletries, and beverages needed in her business.


Norma's story

Norma is a resident of Tondo, Manila, Philippines. She is 42 years old. She is happily married to Silverio and God has blessed them with loving children. Life, indeed, is hard. But by the grace of God, they were able to raise their children well and they are helping each other in working for their family.

Norma owns a variety store. This is a small store that can be owned by anyone in the community and the store is just connected to or just inside their houses. This is where you can buy a sachet of shampoo or conditioner, a bar of soap, a PHP 5-worth of cooking oil, or an egg and other items. Norma gets her products from a wholesaler at a lower price then she will sell the products, per piece, for a higher price to create a profit. Her regular customers are her neighbors, passerbys, and the people in the community. She earns PHP 300 per day.

To be able to expand her inventory, Norma is requesting a PHP 10,000 loan. She will use the loan to buy groceries, toiletries, and beverages to expand her product inventory. This loan will be a great help to her in adding more products to her store.

Norma dreams that her business will continue to grow and she hopes that her children will finish their studies. Every week, she meets up with her co-fellowship* members to share stories of her life and business and to draw strength and inspiration from the fellowship and the Word of God she studies.

All Center for Community Transformation Credit Cooperative (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.



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