A loan of $1,400 helped to pay for additional stocks of ready-to-wear clothing needed in her business.

Joan's story

This is Joan, 25, a resident of Bacoor, Cavite, Philippines. She is married to Melvin, a painter, and they have children. Together with her husband, she manages their household while operating the business. She works hard to provide income for their everyday expenses.

Joan operates the buy and sell business of her family. She buys general merchandise from wholesalers and sells it with a little profit. Her products are men's and women’s clothes and other products of the like. Customers are attracted to buy because of the low selling prices and the many options she offers. She also has a direct selling business and an electronic loading station for additional income. Her regular customers are her neighbors and the local community. She earns a minimum of 1,000 Philippine Pesos (PHP) in sales every day.

To help her continue operations of her business, she is requesting a PHP 60,000 loan. She will be using the loan to buy ready-to-wear clothing for her business. She will also use the loan to buy supplies and merchandise products for her direct selling business.

Joan dreams to expand her business and hopes to give a good life to her family. 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 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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