A loan of $475 helped to buy grocery items, toiletries and beverages needed in her business.


Gemma's story

This is Gemma, 54, a resident of Malibay, Pasay, Philippines. She is married to Maximo, a factory worker abroad, 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.

Gemma 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 money 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 500 Philippine Pesos (PHP) in sales every day.

She is requesting a 20,000 PHP 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.

Gemma hopes to expand her business and dreams to give her children a good life and a future. She meets up with her co-fellowship* members to share stories of her life and business every week and 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 microfinance loans.



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