A loan of $475 helped to buy additional supplies and merchandise products such as shampoo, cologne, deodorant, perfume, soap, fabric softener, undergarments and other products.


Bernadette's story

This is Bernadette, 43, a resident of Bacoor, Cavite, Philippines. She is married to Nephtali, a seaman and they have children. She manages their household while operating the business. She and her husband are working hard to provide income for their everyday needs.

Bernadette 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 prices are lower than those in the catalogue, and these are the profits that dealers are counting on as their income. Her regular customers are her neighbours and the local community. She earns a minimum of PHP 2,000 in sales every week.

To help her continue operations of her business, Bernadette is requesting a PHP 20,000 loan. She will be utilizing the loan to buy additional supplies and merchandise products such as shampoo, cologne, deodorant, perfume, soap, fabric softener, undergarments and other products needed in her business.

Bernadette dreams of expanding 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 where she can 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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