A loan of $350 helped to buy grocery items, toiletries, and beverages needed for her business.

Joesa's story

This is Joesa, 36, a resident of Silang, Cavite, Philippines. She is married to Jose, a driver, 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.

Joesa 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 income 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 Php500 in sales every day.

She is requesting a Php15,000 loan to help her continue the operation of her business. She will use the loan to buy groceries, toiletries, and beverages to expand her product inventory.

Joesa dreams of expanding her business, and hopes that her children will finish their schooling. She meets up with her co-fellowship* members to share stories of her life and business every week, and she also draws 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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