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A loan of $1,125 helped to pay for spare parts and maintenance of their jeepney unit.


Carmelita's story

Carmelita is a hardworking entrepreneur from Pasay, Philippines. She is 51 years old and has children. Wilfredo, her husband, works as a driver. She oversees the operation of their Jeepney unit and her income from the business is helping with their everyday needs and expenditures.

She has a one unit (14-16 person capacity) Jeepney, from which she is paid a *boundary (daily quota) each day. Her regular customers are her neighbors and the local community. She earns a minimum of PHP 1,500 every day. 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 every day travel, and cheap enough to buy and maintain. Now, the Jeepneys are one of the things that makes the Philippines truly Philippine.

*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.

Carmelita is requesting a PHP 50,000 loan to buy spare parts and for the maintenance of her Jeepney unit. She will use the profit to improve the general living conditions of her family.

In the future, she wants another Jeepney unit to be used for their business operation. She hopes to have their own house so they don't need to rent anymore. She meets up with her co-fellowship** members to share stories of her life and business every week and 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.



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