A loan of $225 helped to pay for grocery items, toiletries and beverages needed in her business.


Bernardina's story

This is Bernardina, a 52-year-old resident of Baccor, Cavite, Philippines. She is married and has children. She and her children manage their household while operating the business. She is working hard to continually provide income for their everyday expenses.

Bernardina 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, a PHP 5-worth of cooking oil, or an egg. She earns by getting supplies at wholesale prices and selling them by the piece. Her regular customers are her neighbors and the local community. She earns a minimum of PHP 500 in sales every day.

She is requesting a PHP 10,000 loan to help her continue the operation of her business. She will use the loan to buy groceries, toiletries and beverages to expand her product inventory.

Bernardina hopes that her business will grow bigger and dreams of having a better 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 repay Micro Finance loans.



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