A loan of $1,175 helped to purchase additional supplies and merchandise like clothing, footwear, undergarments, and cosmetics needed for her business.


Criselda's story

This is Criselda, 39, resident of Payatas, Quezon City, Philippines. She is married to Salvador and is a mother to their children. She together with her husband manages their household while operating the business. She and her husband are working hard to provide income for their everyday needs. Criselda 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 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 are investing on as their income. She also sells mineral water, pork, chicken and processed foods for additional income. Her regular customers are her neighbors and the local community. She earns a minimum of 9,000 PHP in sales every week. To help her continue operations of her business, she is requesting a 50,000 PHP 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 for her business. Criselda dreams to be successful in her business and hopes to give her children a good life and education. 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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