This is Marife, 35, a resident of Batasan, Quezon City, Philippines. She is married to Rey, and they have children. She and her husband are managing their household while operating a business. They are working hand in hand to provide income for their everyday expenses.
Marife owns and oversees operation of their jeepney (see footnote) transportation business. She has one jeepney (14-16 person capacity), which earns *boundary (daily quota) each day. Her regular customers are her neighbors and the local community. She earns a minimum of PHP 1,000 every day.
To help her continue operation of her business, she is requesting a PHP 15,000 loan. She will be utilizing the loan to buy spare parts and for the maintenance of her jeepney unit. She expects a boost in her business income as she expands her business.
Marife dreams that her business will grow bigger and hopes to have a better living. She meets up with her co-fellowship** members to share stories of her life and business every week, where she can also draw strength and inspiration from the Word of God she studies.
*Curiously, Jeepneys have purely American origins. They were first used by American soldiers helping the Philippines throw off the invading Japanese. Filipino ingenuity, however, managed to see this vehicle as an opportunity to earn, and modified the Jeep into a 20-seater jeepney, open enough to provide adequate ventilation, sturdy for everyday travel, and cheap enough to buy and maintain. Now, the jeepneys are one of the things that makes the Philippines truly the Philippines.
*In the boundary system, the driver pays the jeepney owner a fixed amount (the “boundary”) for driving a passenger vehicle for 12 hours. It is as if the driver is renting the vehicle. What he earns from passenger fares above the “boundary,” minus what he paid for the gas and oil, is his take-home pay.
** 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 microfinance loans.
About the Center for Community Transformation
The Center for Community Transformation (CCT) is dedicated to the development of communities and lives via spiritual transformation and access to financial services. CCT offers loan products to address the needs of micro-entrepreneurs in the Philippines. The organization’s loan products include small business, education, and housing loans. CCT utilizes a community-based approach to provide a variety of non-financial services that include training and development programs, clinics, disaster relief operations, a low-cost medicine program, and social service programs. CCT offers a unique “Pavement Dweller” program designed to provide food, housing, and job training. CCT also provides education support services to the poorest groups in the Philippines. Find more information about CCT on their website or join their lending team.