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Jessenia Monserrate
The communal bank María José meets in the productive parish of Picoaza in the province of Manabí. The inhabitants of this beautiful place are mainly informal businesspeople. They sell different items such as clothing, hammocks, kitchen utensils and numerous other products.

Jessenia is one of the members that has been with the communal bank for six cycles. She is in a relationship and is the mother of two children. She spends her time at a community nursery school in the same parish. She has another source of income selling Yanbal and Avon products and underwear. She has been doing this for two years. She visits her customers in their homes and takes their product orders. With the clothes, she travels regularly to buy them by the dozen according to how the sales are going. The loans that she has received from the Foundation have made her business grow. She pays for all of the Yanbal and Avon up front and they let her get the clothes on credit, paying according to how the sales are. By the same token, she gives her customers easy payment options.

With this new loan that she is asking for, she will be able to buy more merchandise and also help her husband with his business. Her husband sells cell phone accessories such as as cases and chargers, in addition to TV remotes.

Jessenia's dream is to finish her studies to become a nursery school teacher. She is convinced that she can make it a reality. She really likes to work with children and from 8 in the morning until 4 in the afternoon she is in the nursery school. Her children are with her all the time. She is happy with what she is doing to help her family get ahead.
View original language description ↓
El Banco Comunal María José se reúne en la productiva parroquia de Picoaza en la provincia de Manabí en este bellos lugar sus moradores en gran mayoría son comerciantes informales, en diferentes aéreas como el comercio de ropa, hamacas, utensilio del hogar y un sinnúmero de productos.

La señora Jessenia es una de las socia que lleva 6 ciclos en este banco comunal, esta con una relación es madre de dos niños, dedica su tiempo a una guardería comunitaria en la misma parroquia, pero también se da tiempo para tener otros ingresos, que es precisamente la venta de productos de Yanbal, Avon y ropa interior, ya son dos años con las ventas, ella visita a sus clientas en las cosas toma el pedido de los productos, y en la ropa ella viaja a comprar por docenas cada cierto tiempo según como vayan las ventas, con los créditos que ha recibido de la Fundación ha hecho que su negocio crezca, todo lo que es Yanbal y Avon lo compra al contado y la ropa si le dan crédito pagando según como vaya vendiendo, la misma manera ella hace con sus clientes les facilita los pagos.

Con este nuevo crédito que esta solicitando podrá comprar más mercadería y a la vez podrá ayudar al esposo a que surta su negocio, el esposo es comerciante de accesorios de teléfonos celulares, como carcasas, cargadores, y controles de televisores.

El sueño de la señora Jessenia es poder terminar su carrera de Parvularia, esta convencida que lo podrá hacer realidad le gusta mucho trabajar con niños y desde las 8 de la mañana hasta las 4 de la tarde esta en la guardería sus hijos están junto a ella todo el tiempo. Esta contenta con lo que esta haciendo para ayudar a su familia a salir a delante.

About Ecuador

  • $10,200
    Average annual income
  • 34
    View loans »
    Ecuador Loans Fundraising
  • $23,448,500
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $775 helped Jessenia Monserrate to buy clothes and cosmetics and to help her husband with his cell phone accessory business.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Apr 22, 2010
Listed
May 6, 2010
Currency Exchange Loss:
N/A
Ended:
Sep 15, 2010