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Ana Karina
The community of Bellavista is located in Portoviejo, the capital of Manabí, which was known for several years as the city of tamarinds. The members of the Bellavista Communal Bank conduct their meetings here.


The staff of Fundación ESPOIR had the chance to speak with Sra. Ana Karina M., the founder and president of this Communal Bank. She is 32 years old and has been married for 15 years. Ana and her husband have three precious daughters who are her reason for living. She is studying for a degree in Education at the Technical University of Manabí and expects to graduate in December. Ana divides her time between her work and taking care of her home, which includes looking after her children, who are still young and require a great deal of attention.


At the moment, she spends time operating a retail business in addition to her teaching job. She sells several products including shoes, women’s clothing, and merchandise made by Yanbal (a company that offers beauty products, perfumes, and other accessories through catalogs). Ana sells by taking orders and offering her products door to door. She has many established customers, which include her co-workers.


Ana says she had difficulty at first because she had little money left over after buying large quantities of merchandise. Forming a Communal Bank with the other ladies in her group has been a great help to her as well as the rest of the members.


This new loan will be used to buy shoes since she has many orders for this type of merchandise. Ana has had other loans through Fundación ESPOIR. She enjoys working with the Institution because of the ease in securing credit.


Ana’s goals are to graduate with her degree, continue with her profession, gain experience through her job, and improve the quality of life for all of her children.

View original language description ↓
En la ciudadela Bellavista de Portoviejo, capital de Manabí conocida desde hace muchos años como la ciudad de los reales tamarindos, se reúnen las socias del Banco Comunal.

Aquí conversamos con la señora Ana Karina M. que es la fundadora y presidenta del banco. Tiene 32 años de edad y está casada hace 15 años, tienen tres preciosos niños que son su razón de vivir. Estudió Ciencias de la Educación en la Universidad Técnica De Manabí y espera licenciarse en el mes de Diciembre.

Según nos cuenta divide su tiempo tanto para su trabajo como para su hogar, ya que sus hijos están pequeños y necesitan muchos cuidados.

En la actualidad se dedica al comercio y además es profesora contratada, dice que vende muchos productos como zapatillas, ropa de mujer y además productos de Yanbal, (una revista de productos de belleza, perfumes y otros accesorios) Su forma de vender es por pedidos y también ofrece sus productos puerta a puerta, tiene muchas clientes fijas como por ejemplo sus compañeras de trabajo.
Nos dice que al principio tuvo momentos difíciles por que compro mucha mercadería y se quedo desfinanciada es así como se reunió con otras señoras y formaron el banco el cual la ayudado mucho tanto a ella como también a las otras socias.

Este nuevo préstamo lo va invertir en comprar zapatillas ya que tiene muchos pedidos. Nuestra socia también tiene otros créditos que ofrece la fundación Espoir, dice que le gusta esta Institución por la facilidad que tiene para conseguir los créditos.

Sus metas son licenciarse, ejercer su profesión, que no le falte trabajo y especialmente mejorar su calidad de vida mas que todo por sus hijos.

About Ecuador

  • $10,200
    Average annual income
  • 17
    View loans »
    Ecuador Loans Fundraising
  • $22,607,425
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $400 helped Ana Karina purchase shoes.
100% repaid
Repayment Term
7 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Aug 23, 2010
Listed
Aug 31, 2010
Currency Exchange Loss:
N/A
Ended:
Feb 15, 2011