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Josefa wanted to find a job that would let her support her family. With her partner, Henry, only working part-time as a seasonal carpenter, the family of six lived on a daily income of US$1.14 for the entire family. The 43 year-old mother had always wanted to find something that could supplement her husband’s income, but...

Florlyn Reyes relied on her husband, a tricycle driver who earns around US$3.21 (PHP150) a day, to provide for the family. His income was not sufficient to meet the needs of their family of five, which created tension, arguments and resentment between the couple. When Florlyn heard about ICM’s Transform program, she was excited and...

Two women share how ICM’s Savings Group changed their lives and finances. ELENA Elena, 65, lives in a wooden house on stilts by a mangrove field with her granddaughter Rhealyn, who suffers from an undiagnosed chronic health condition. At 14-years-old, Rhealyn cannot speak and can barely stand by herself. The area around their house is...