Vilma M., 50, is making sure that her family has enough provisions for their daily needs. She is married to Ibrahim M., an NBI (National Bureau of Investigations) Security Officer, and they are blessed with two children. She makes sure that she helps her husband earn so that their family can have a better life. She has been managing her own food-processing business while also managing a direct-selling business and a tube-ice business.

Vilma has been a regular member of Center for Community Transformation* (CCT) for more than a year. She regularly attends their weekly fellowship meetings and pays her weekly dues consistently. Because of her good repayment performance with her previous loans, she was able to borrow quite a few times in CCT’s Cooperative. She is consistent in paying her dues because she used the money she borrowed to expand and improve her businesses.

To ensure the success of her businesses, she would like to apply for a 47,000 Philippine peso loan. This amount will be used for her expanding businesses to buy raw ingredients needed for food processing and for other needs of her other businesses.

She dreams that her business will continue to grow so that she can provide for her children’s education.

* 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.