A loan of $1,125 helped to pay for grocery items, toiletries, and beverages to resell.


Joy's story

Joy previously accessed an 30,000 PHP loan that she used to purchase more quantities and varieties of grocery items and products needed in her business. Her earnings were a big help for her children’s education, in their personal, household, and business expenditures. She also has a canteen and a jeepney for additional income.

She would like to apply for another 50,000 PHP loan for her to buy groceries, toiletries, beverages, and other products to add to her inventory. The more items displayed at the store, the better. More items to sell will result in better profit. Her profits from the business will definitely help sustain her family’s daily needs and children’s education expenses. She looks forward to this financial increase with gladness and thankfulness in her heart.

Joy dreams of expansion in all her businesses and hopes that her family is always in good condition. She meets up with her co-fellowship* members to share stories of her life and business every week, and to 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 microfinance loans.



Loan details


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Loan details