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Shirley Yajaira
The “Dios Con Nosotros” (God with Us) communal bank meets every two weeks in the El Florón neighborhood in Portoviejo, Manabí capital, known as the City of the Valley because it’s surrounded by many hills.

This is Shirley’s third cycle and she is very happy. She loves the meetings because she learns things that are useful for her everyday life. She is 27 years old and is in a common law relationship. She has three children who are 12, 4 and 2 years of age. The oldest is in first year of high school. Her husband is a bricklayer.

She is a housewife who makes time to work in commerce. She sells Avon and Yanbal products (beauty supplies, perfumes and costume jewelry); she also sells Romanel brand jewelry. All of her products are sold via catalogue. She works from Monday through Friday for about three hours per afternoon. She sells on credit and on collection days she makes new sales.

She will use this loan to buy more merchandise because she has quite a few pending orders for this month and she hasn’t yet recovered last month’s capital.

Her dream is to study a university career.
View original language description ↓
El Banco Comunal Dios Con Nosotros que se reúne cada quince días en la ciudadela el Florón de la ciudad de Portoviejo, capital manabita, conocida como la Ciudad del Valle por encontrarse rodeada de muchos cerros.

Para la señora Shirley este es su tercer ciclo y está muy a gusto, le encantan las reuniones ya que en ellas aprende cosas necesarias para su vida diaria. Tiene 27 años de edad, mantiene una relación de unión libre y de esta relación tiene tres hijos de 12-4-2 años, el mayor esta en el primer año de colegio. Su marido es albañil.

Es una ama de casa que se da tiempo para dedicarse al comercio, vende productos de Avon, Yanbal (productos de belleza, perfumería y bisutería). Además vende joyas de Romanel, todos sus productos son por catálogos, trabaja de lunes a viernes unas tres horas por las tardes, deja a crédito y en estos días cobra y realiza nuevas ventas.

Este crédito lo va a emplear en comprar más de su mercadería ya que tiene bastantes pedidos para este mes y todavía no ha recuperado el capital del mes anterior.

Su sueño es estudiar una carrera universitaria.

About Ecuador

  • $10,200
    Average annual income
  • 34
    View loans »
    Ecuador Loans Fundraising
  • $23,216,275
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $550 helped Shirley Yajaira to buy Romanel brand jewelry and Yambal and Avon brand cosmetics and costume jewelry.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Oct 7, 2010
Listed
Nov 1, 2010
Currency Exchange Loss:
N/A
Ended:
May 15, 2011