Eden Ruth

Eden Ruth Capili is a 29 year old married woman with four children ages between 3 to 10 years old. Three of her children attends local school. Her husband is Don don and he works as a security guard in a private company. The family all lives in the village of Poog which is in the town of Toledo in Cebu province. To deal with their finances, Eden Ruth opened a general store business many years ago.

Ten years ago, Eden started a general store business in front of their house. She sells various commodities such as rice, corn, frozen foods, canned goods, poultry eggs, diapers, sodas, chips, biscuits, sweets and many more. She offers credit to some of her valued customers. Her store is open fourteen hours everyday and her average daily sales is 3,000 pesos (£46). For many years, Eden has also been engaged in raising pigs. She buys piglets and then looks after the pigs until they are fully grown and then resell it to meat stall owners in the market. This month, she plan to have twelve piglets.

Over a year ago, the couple started a business focus in refilling butane (gas) canisters. They are not the ones who refill the canisters because it is not allowed by the law. They have to bring those empty canisters to one of the legal butane (gas) refilling station found in Talisay city. From the refilling station, she automatically delivers the filled butane canisters to her regular customers found in different areas. She also have two peddlers who also distribute to store owners found in rural areas. Some of her regular customers pay her after one week from delivery date. Every week she needs to have a capital between 15,000 to 20,000 pesos (£229.46 to £306) to keep her butane business running.

She is currently processing the renewal of her annual business permits and licenses for her to keep operating the business.

Eden Ruth has been a member for three-year of the MFI-Lamac. She has repaid twelve previous loans and used it in various ways. Recently, she applied for another larger loan for different purposes. Eden will buy twelve piglets that cost each pig of 2,300 pesos (£35.18). She will buy animal feeds needed for the next three months of feeding. She will also use the loan to finance her sari-sari store and butane (gas) refilling business. Eden is happy to have access of working capital that will surely help her business grow even more. She will continue to work hard with her husband Don don to keep their business running and earn more income in the future. She promise to repay the loan over the period of thirty-six months installments.

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