Gliceria lives in a coastal village where families depend on the abundance of the sea for their livelihood. She joined CARD in 1997. "Sa bahay lang" was how she described herself before she joined CARD. Her husband worked in others' boat for a share of the catch.

Although, her loan enabled her to start a business of her own, her effort at financial independence initially met with failure.

Peso 1,500 savings from the first sari sari store, enabled her to buy a net and a weighing scale in reparation for a new business venture. She used her P5,000 second loan to buy fish in bulk. She would dry these on the shore and traders would come to her house to purchase her products (55 kg/week). She had previous experience in fish processing, drying her husband's catch in the past. She knew it generated big profits. She estimated to have profited P15,000 from her P5,000 loan. She bought a secondhand motor and a pump boat from her income as well. It enabled her to pay for her child's tuition and provide for her daily school allowance.

In February 1999, she borrowed P10,000 from CARD. Her husband convinced her to use the loan to buy more fishnets so they could catch more variety of seafoods (shrimp, crabs and fish). It would also enable them to bring their married son into their business. At the time, her fish drying business was brought to a halt; her regular customers having moved to Nabuktot where they could buy dried fish in bigger volumes. Gliceria shifted to selling fresh fish, bringing her husband's and son's catch to the market in the next town 4-5 times a week, selling an average of 20-30 kilos each time. She used the profit for their daily expenses at home and also for her child's schooling. She also added a portion of her surplus to her P10,000 housing loan, so she could start building a concrete house, one of her many dreams.

She was proud of her performance in the center; she was able to get the maximum amount of loan because she has been absent only once and late, only once in the center meeting. This indicates that she was able to acquire the credit discipline that the program promoted. With only three weeks of repayment left, she was set to get her 4th loan soon. With the added capital, she intends to buy her neighbors' catch so she can sell more and increase her profits. She has high hopes for her daughter, a first year college student in Cataingan. She considers it a no mean feat, even a status symbol, for a poor family like her's to be able to have a child enter college.