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Luisa Maria
María is very dedicated to her work and her children. She is a consultant for Rommanel jewelry (jewelry made with semi-precious stones), she sells clothing, and she also has a phone booth business. She has been in business for about 15 years. She began alone, selling gold jewelry. She was encouraged to get into sales of semi-precious jewelry because of her youngest child. With two older children and then the youngest one, it became difficult for her to travel, so when she found out about the semi-precious jewelry business in the city of Manta, she became part of the business and has continued with it until now.

María has been married for 23 years. She has three children, two of them grown up and one still young.

The phone business is set up in her house. In the beginning, her eldest son ran it since he was about to enter the university and chose to start this business to help him pay for his studies.

María manages the jewelry and clothing sales herself. She tries to schedule her time well, so in the mornings she does the household chores and in the afternoons she sells jewelry and clothing. She has regular customers and is finding new customers as she expands her business. Her investment in the businesses is according to their needs. For the jewelry it is according to how the purchases and sales are going. Since she's been doing this for many years, the suppliers offer her credit until her sales are finalized. Although normally these sales must be paid in advance, the suppliers know she is responsible. For the phone booths, the investment is only for prepaid phone cards.

She is happy because with the new loan she will invest in more clothing. Mother's Day is approaching, and she knows sales will be high, so she will invest in clothes for women. Her dream is to get ahead. A niece encouraged her to join the communal bank, and for now she is very happy with her business because it is profitable. She knows that with the next loan, everything will be much better.
View original language description ↓
Doña María, es una mujer muy dedicada al trabajo y a sus hijos, es comerciante de semi joyas Romannel, de venta de ropa y también tiene cabinas telefónicas, lleva en el negocio aproximadamente 15 años, se inicio sola, primero vendía oro, en el negocio de las semijoyas se incentivo por el hijo menor, ya con los dos niños mayores y el ultimo se le hacía difícil viajar, al enterarse que en Manta había venta de semi joyas se hizo parte de ese negocio, hasta la actualidad.

Está casada desde hace 23 años, tiene 3 hijos, dos mayores de edad y uno menor de edad, el negocio de las cabinas está instalado en la casa, al inicio lo maneja el mayor de sus hijos, ya que estaba por entrar en la universidad y opto porque él tenga su negocio para que se ayude en los estudios.

Las ventas de las joyas y ropa lo maneja ella, doña María trata de distribuir muy bien su tiempo, por ello en la mañana se dedica a los que haceres del hogar y en las tardes al negocio de joyas y ropa, tiene sus clientes fijos y va adquiriendo nuevos clientes a medida que expande su negocio, la inversión en los negocios es según, lo de las joyas según sea el negocio las ventas y las compras, como tiene bastantes años, los proveedores le facilitan para vender hasta que normalmente las ventas se hagan efectivas, es responsable,

En las cabinas la inversión se basa solo en los chips, está feliz porque con el nuevo crédito va a invertir en mas ropa, por que se viene el mes de las madres, y sabe que se venderá mucho, mas invierte en ropa para mujer, su sueño es seguir adelante, a ella le entusiasmo a formar parte del banquito una sobrina, por ahora está muy contenta con su negocio, porque es rentable, esta consiente que con el próximo crédito será todo mucho mejor.

About Ecuador

  • $10,200
    Average annual income
  • 13
    View loans »
    Ecuador Loans Fundraising
  • $22,842,950
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,100 helped Luisa Maria purchase of women's clothing.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Mar 23, 2010
Listed
Mar 24, 2010
Currency Exchange Loss:
N/A
Ended:
Oct 15, 2010