I am confident in the Fair Trade Savings Program because it helps me secure my family’s sustenance. ”
Lidia Novoa, Joygardens worker
The Fair Trade workers at Joygardens have established a Fair Trade premium-funded, low-interest credit program intended for groceries and hygiene product purchases. Workers are encouraged to buy basic need items on credit with a 3-month repayment plan to encourage savings, financial planning, and investment in larger household improvements.
Home Improvement Fund
Fair Trade workers at Joygardens have established an interest-free, home improvement rotational loan fund for workers to access supplies and home appliances at better prices, under convenient repayment terms.
Small Business Training
Joygardens used Fair Trade premiums to facilitate a small-business and skill-building training program for workers to start their own business. The training this year was on beauty parlor skills and management. 26 female employees benefited from the program.