Hi there! My name is Janis from the Philippines. I am a small business owner of an online shop Kreama Clothing. For the past 3 years, I operated and funded the store through business loans I found online and with the help of friends and family. In the first year, the business is doing good. But last year was a terrible drop in sales. I have tried to join bazars to get going but to no avail, the loans just piled up more, resulting to bigger amount of debt. This year, I decided to close down the shop permanently and start to look for a full-time job. Although I am currently working, my salary is not enough to pay for the remaining loans I have, that is why I am asking for a huge help to the online community, especially to small-time online sellers like me, who failed to raise a business. Thank you for sharing and God Bless!