A loan of $825 helped to pay for additional supplies and merchandise products like clothing, footwear, undergarments, and cosmetics needed in her business.


Ermelita's story

This is Ermelita, a resident of Bacoor, Cavite, Philippines. She is married to Joseph and is mother to their children. She, together with her husband, manages their household while operating a business. She and her husband are working hard to provide income for their everyday needs.

Ermelita maintains a direct selling business. She sells clothing, footwear, undergarments, cosmetics and other products through the popular direct selling brands like Avon, Fuller Life, Natasha, Boardwalk, Marikina Shoe Exchange, and other direct selling brands. A customers order is bought in cash by a dealer such as Ermelita, and then given to the customer with a one-month-to-pay credit. Dealer prices are lower than those in the catalogue, and these are the profits that dealers are investing on as their income. Ermelita's regular customers are her neighbors and the local community. She earns a minimum of PHP 2000 in sales every week.

To help her continue operations of her business, Ermelita is requesting a PHP 35,000 loan. She will be utilizing the loan to buy additional supplies and merchandise like shampoo, cologne, deodorant, perfume, soap, fabric softener, undergarments and other products needed in her business.

Ermelita hopes that her business will flourish and dreams to have a good life. 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 pay Micro Finance loans.



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