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Training – Tina

Tina is from the Philippines and arrived in Canada in May of 2010 with her husband and three children. She has a degree in Business Administration from a university in the Philippines and since moving to Canada, Tina has worked as a housekeeper and a cleaner.

Tina would like to complete the Basic Early Childhood Educator Certificate at the Pacific Rim Early Childhood Institute. Tina has provided informal care to children before, but would like to have some formal qualifications so she can open a home-based day care centre that would cater to a number of mothers she knows that need daycare space for their children. The program will take close to a year to complete, with Cristina taking two 10-week courses at a time.

Tina’s credit file indicates that she has a relatively high debt load and a perfect payment history. While Cristina and her husband have a perfect payment history, their bank was not willing to extend any further credit to them.

This training will provide Tina with the education she requires to build a better future for herself and her family.

Loan term: 3 years
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Training – Mojgan

Mojgan immigrated to Canada from Iran in the Summer of 2014 with her son. Mojgan has a Masters degree in Psychology and worked as a counsellor in Iran for 5 years before moving to Canada. However, even with her credentials and experience Mojgan is not able to practice as a licensed counsellor in Canada. She currently works as a sales associate at a local pharmacy, but is desperate to return to work as a counsellor.

Mojgan is aiming to acquire Canadian qualifications by doing a Post-degree Diploma in Inter-professional Mental Health and Addictions at Camosun College. It’s a program that would enable Mojgan to work with individuals and families with mental health and addiction challenges.

Once she has the Diploma, Mojgan will be able to apply for jobs with VIHA and other mental health care providers. If she’s successful in obtaining a training-related job, Mojgan should be able to, at the very least, double her hourly earnings as well as work in a field about which she is clearly passionate.

Mojgan’s credit file indicates that she has a relatively short credit history and a decent payment history.

“I just want to do what I know I’m good at and what I’m passionate about”, Mojgan says. This training will not only give her the opportunity to do so, but it also has the potential to significantly improve the quality of her life.

Loan term: 4 years

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Training – Kay

Kay was referred to us by the Victoria Immigrant and Refugee Centre Society. She immigrated to Canada from the Philippines in October of 2010. Kay has worked in retail for much of her time in Canada and with CML’s help decided to obtain a qualification that will allow her to work in a job with more earning potential. She completed an office assistant certificate and was accepted into the Medical Office Assistant Certificate Program at Camosun College.

The Certificate takes 11 months to complete and will give Kay the knowledge to work in administration in doctors’ and other medical professionals’ offices. In such a job, Kay will be able to earn at least 50% more than what she earned in retail.

Kay has a received student loan, but it will not cover both her tuition and her living expenses during the study period. Kay has been approved for a loan of $5183.85 to pay for tuition.

Kay’s credit file indicates that she has a balance outstanding for a previous student loan and a relatively good payment history.

The loan will provide Kay with the potential to earn more and improve her quality of life.

Loan term: 4 years

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Training – Francine

Francine immigrated to Canada from the Philippines in the summer of 2012. Before she moved, Francine had graduated with a Bachelor of Science degree in nursing and had obtained her nursing license in the Philippines. However, Francine’s qualifications from the Philippines don’t qualify her to work as a nurse in Canada. She has thus worked as a customer service representative at a local pharmacy since immigrating.

Last year she had an assessment done with the College of Registered Nurses of British Columbia to determine what she would need to practice as a nurse. It was determined that Francine needed to complete four courses, a practicum placement, and write the licensing exams for registered nurses. She has completed the four courses. In May, Francine will be heading to the Lower Mainland for a practicum placement, before writing the licensing exams at the end of the year. Francine has been approved for a training loan of $5,171.91 to pay for living expenses during the practicum and to pay the exam fee and an exam review course.

Francine’s credit file indicates she has a relatively short credit history and a minimal outstanding credit balance.

The loan will allow Francine to not only earn more and improve her quality of life, but also work at a job which she is passionate about and qualified for.

Loan term: 4 years
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Training – Carmen

Carmen immigrated to Canada from Colombia in the Spring of 2012. She was the owner operator of a beauty salon in Colombia for eight years, and while she has a hairdressing certificate from Columbia, Carmen has been unable to find a job in her field since moving to Canada. As a result, Carmen has worked mostly in the service industry in minimum wage jobs.

In February of this year, Carmen started in a Cosmetology program at the Aveda Institute. It will take another 6 months to complete and will qualify her to work as a Hair Stylist at most hairdressing outlets and beauty salons. Such a job will more than double her current wages. Carmen has received a student loan but needs additional funds to complete her tuition payments and cover some of her living expenses while she studies. Carmen has been approved for a training loan of $4,200 to pay the outstanding tuition and living expenses.

Carmen’s credit file indicates that she has a relatively short credit history and a good payment history.

“My dream is to start my own beauty salon here in Victoria”, Carmen says. “This training is the first step towards that dream.”

Loan term: 4 years
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Training – Maria

Maria is Community Micro Lending’s first training loan! She arrived in Canada in January of 2011 from South East Asia. Maria currently works in housekeeping for a private industrial cleaning company. She is looking to take a course to get a medical device technician certificate and has been accepted into a program at Vancouver Island University (VIU) in Nanaimo. It will take 3 months to complete and will allow her to work as a Technician at a health lab or hospital. Such a job would mean she could almost double her current wages. Maria has received a student loan, but needs additional funds to complete her tuition payments. Maria has been approved for a loan of $1,995 to pay the outstanding tuition.

Maria’s credit file indicates that she has a relatively short credit history with a minimal credit balance and a good payment history.

The loan has the potential to significantly improve Maria’s quality of life by providing her with the opportunity to start a new career and almost double her income.

Loan term: 3 years
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Forest Spirit Creations – Sheena

Sheena and Phillip’s loan is to complete the conversion of their travel trailer to a mobile store, and the purchase of a truck to tow it.

Sheena creates and sells nature-inspired art, jewelry and plant medicines, such as salves and tinctures. Sheena has been operating Forest Spirit Creations for three years, and Phillip (her fiancé) became involved in the business one year ago. In her second year she broke even and she made a small profit in the third year. The majority of their income is from markets and festivals, and they also sell online.

They purchased a vintage trailer to create a mobile store. Once fitted out this will significantly reduce laborious and time-consuming setup and teardown of the pop-up shop, while still allowing them to sell at markets and festivals. They will also be able to sell products from other artists and earn commissions on those sales.

So far they have gutted the interior, replaced the rotted framework, installed/built furniture pieces and resealed all the seams. Interior finishing and exterior paint will complete the project. Finally, they want to buy: a truck to tow the mobile store, a tiny wood stove to heat it, and a solar panel to light it.

Loan term: 3 years

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Knitting By Yvonne

Yvonne has been producing beautiful knitting for years. She consistently has clients ordering all kinds of items from hats to mitts to sweaters, blankets and more. Her custom designs are completely original and the quality of her work is self evident. She needed a small $500 loan to purchase wool to knit a blanket and sweater that clients had ordered.

Loan term: 1 year

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Gorilla Graffix Group – Gerrit

Gerrit’s loan is to start a graphic design and printing shop. Gerrit has almost 20 years of experience as a printer and graphic artist, including owning and operating his own graphic design business for a short period about ten years ago. Due to circumstances beyond his control, the business had to close, and a head injury has seriously limited Gerrit’s opportunities to work for an employer.

Not comfortable subsisting on disability income, Gerrit wants to follow his passion, use his knowledge and start a graphic design and printing business (original designs on t-shirts, posters, promotional items, large vinyl stickers, automobile graphics, etc).. He has already purchased used commercial printing equipment, arranged a work space, and now is poised to launch his business! He has found a niche market in providing strong customer support and design assistance for small print runs (typically less than 25 units).

A few minutes of talking to Gerrit and it is clear that he has a true motivation as well as excellent technical skills. He has set everything up to start the business, and in fact has already started doing some small jobs. His approved loan request of $3775 is for launching his website, performing additional marketing, and purchasing some additional equipment, stock and supplies.

Gerrit has already built a support network of suppliers and specialist printers who are just waiting for him to launch his business. He also has the support of a friend who will assist with bookkeeping, and he has provided several strong references from customers. Go Gerrit!

He is also available for any printing you need. Feel free to contact him at gorillagraffix1@gmail.com.

Loan term: 4

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Clinic – Linette

In January Linette opened her clinic, a business with two main facets. She provides testing services and also staffing for dentists and remote work locations.

Linette worked as a nurse for almost 15 years, and through this she gained an insider’s perspective and knowledge of how the industry functions. It is also how she identified a gap in the market and realized the need for a one-stop shop for testing and services.

Since starting her business she has been extremely busy and her business is taking off! CML will help her cover cash flow while she gets established.

Linette is a very driven, passionate and intelligent person with a high level of business acumen and professionalism.

Loan term: 3 years

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