Analiza Cangamong received a loan through lendwithcare back in 2011. She used to run a vegetable stall. However, now some months and four loans later she runs a fishmongers. She used her latest loan to buy dried fish in bulk which offers her a greater profit margin than if she bought in small quantities. Before taking out her first loan, Analiza sold bananas in the same market but often her stock would rot before she could sell it, and she would lose money despite working all day. The loans enabled her to change this. She was able to buy the more expensive stocks of dried fish, which doesn’t perish. Analiza says “Fish is more profitable. It never goes off before sale. There is no waste.” Every Friday Analiza buys stock from a distributor who visits from Cebu city. She makes a 15 pesos profit per kilo, just over 9%. Analiza can sell 10,000 Philippine pesos of fish (900 Pesos profit) on market days (Saturday and Tuesday) and on a regular day, 5,000 (450 profit). Altogether her annual income is equivalent to £3,400. She works every day, setting up her stall at 6am and packing up after dark at 7pm. Analiza is married, her husband is a vegetable farmer. He makes a profit of around 600 pesos a week (around £10). They have two children, both girls aged 16 and 13, who are now in school and college respectively. Analiza says “The loans have improved our family’s life. I have been able to send my daughter to college, which I could not do before. When I sold bananas, on many days I made no money. Now we have been able to buy a motorcycle, which is helpful for our business and we have bought appliances for the house. We have music now. Also our family eat better food at home. If a friend was in the position I was in, I would recommend a loan with FCCT.” With her small profits, Analiza continues to reinvest in her business.