A loan of $450 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 a mother to their children. Together with her husband, she manages a household while operating her 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 popular direct selling brands like Avon, Fuller life, Natasha, Boardwalk, and Marikina Shoe Exchange. A customer's order is bought in cash by the dealer and then given to the customer with a one-month-to-pay credit. Dealer’s prices are lower than those in the catalogue, and these are the profits that dealers receive as income. Her regular customers are her neighbors and the local community. She earns a minimum of 2000 PHP in sales every week.

To help her continue business operations, she is requesting a 19,000 PHP loan. She will use the loan to buy additional supplies and merchandise like shampoo, cologne, deodorant, perfume, soap, fabric softener, and undergarments. She expects a boost in her income as she expands her business.

Shirley dreams of being successful in her business and hopes to help her family financially. She meets up with her co-fellowship* members to share stories of her life and business every week. There, 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 Micro Finance loans.

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