Check out some available loans that are similar to this one!
Julia Teresa
Julia Teresa is a member of the community bank El Arenal, which meets at the office of Fundación Espoir every two weeks. She lives in the city of Cuenca, a beautiful colonial city in southern Ecuador. She turned 33 years old on the date of this interview. She is married and has two daughters. Her husband is a good man, his name is Lauro, he works as an upholsterer. They live in a rented house. Her daughters are currently attending school "Juan de Saber", for her, this is the most important thing.

When Julia met her husband, he already had his own business, but she says she is not married for money but for love. Now she helps him in his workshop by cutting and sewing fabric and foam. Moreover, she has also learned how to reupholster. Her brother-in-law, Segundo, helps them with the work. She works Monday through Friday from 8am to 6pm and until noon on Saturdays. The advantage of this business is being able to work together as a family, says Julia, as well as spending time together on the weekends.

She is asking for this loan in order to buy raw material (such as sponge, cloth, nails and contact cement) and wood for her workshop. We have been very satisfied with her previous loans, and she has always paid on time, even when she was in need. She has been a member of the community bank for one and a half years. She was introduced to the bank by another member and she liked the meeting and decided to join the group. She likes the lessons on how to apply the loans and how to be a responsible member.

Her goal for the future is to own a home, educate her daughters and that her husband remains by her side.
View original language description ↓
La señora Julia Teresa es socia del Banco Comunal El Arenal, que se reúne en la oficina de Fundación Espoir cada dos semanas. Ella vive en la ciudad de Cuenca, una hermosa ciudad colonial en el sur de Ecuador. Cumplió 33 años el mismo día de esta entrevista, es casada, y tiene dos hijas. Su esposo es un buen hombre que se llama Lauro, él trabaja como tapizador de muebles. Ellos viven en una casa alquilada. Sus hijas ahora están estudiando en la escuela “Juan de Saber”; eso para ella es lo más importante.

Cuando la señora conoció a su esposo, él ya tenía su negocio, pero ella dice que no se casó por eso sino por amor. Ahora ella le ayuda en su taller cortando telas, esponjando y cosiendo las telas. Además, de paso ha aprendido a retapizar. Su cuñado, Segundo, les ayuda con el trabajo. Su horario de trabajo es 8am a 6pm lunes a viernes y también medio día el sábado. La ventaja de este negocio es que trabajan juntos como familia, dice la señora, además salen todos juntos los fines de semana.

La señora está pidiendo este crédito para poder comprar materia prima (como esponja, telas, clavos y cemento de contacto) y madera para su taller. Ella ha sido muy cumplida con sus créditos anteriores, y siempre paga de manera puntual, incluso cuando le hace faltar algo en la casa. Lleva un año y medio como socia de su banco comunal. Al inicio le trajo otra socia, le gustó la reunión a la que asistió y decidió integrarse al grupo. Le gustan las enseñazas que recibe respeto a como aplicar los créditos y cómo ser una socia responsable.

Su meta para el futuro es tener una casa propia, que sus hijas estudien, y que su esposo esté siempre a su lado.

About Ecuador

  • $10,600
    Average annual income
  • 54
    View loans »
    Ecuador Loans Fundraising
  • $24,308,800
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,000 helped Julia Teresa to buy raw material (such as sponge, cloth, nails and contact cement) and wood for her workshop.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Jul 7, 2009
Listed
Jul 17, 2009
Currency Exchange Loss:
N/A
Ended:
Nov 15, 2009