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Rosa Esther
The Picoaza cooperative bank meets every fifteen days in the Picoaza parish of the city of Portoviejo. This area is known as a commercial zone, for its traditional feasts of San Pedro and San Pablo, and for the rich cultural history that its mountain ranges encircle.

This is where we find Rosa, 45 years old, married, and the mother of three children ages 20, 17 and 8. They are all studying in school or at the university. Her husband works in construction.

She dedicates herself to commerce, selling all types of clothing door-to-door, although she also has many customers that place orders with her. She works every morning, after her children have left for school, traveling throughout her locality to sell her products or take orders. She delivers on credit, and collects every week. She tells us that she has been in this business for 12 years, and that things are going well. She purchases her products in Guayaquil.

This loan is for the purchase of more merchandise, especially women’s undergarments, for which she has some orders. She is in her 14th cycle with the cooperative bank, and she appreciates the assistance provided by the institution. Her dream is to have her own store.
View original language description ↓
El Banco Comunal Picoaza se reúne cada quince días en la parroquia Picoaza de la ciudad de Portoviejo. Lugar conocido por ser una zona muy comercial, por sus fiestas tradicionales de San Pedro y San Pablo y por la rica cultura histórica que encierran sus montañas.

En este lugar encontramos a la señora Rosa, ella tiene 45 años de edad, está casada y fruto de esta relación tuvo tres hijos de 20 – 17 y 8 años de edad, todos estudian en Universidad, colegio y escuela. El esposo es albañil.

Se dedica al comercio, vende ropa de todo tipo y su forma de venta es puerta a puerta, aunque también tiene muchos clientes que le encargan sus productos, trabaja todos los días en las mañanas una vez que sus hijos salen a sus estudios, ella recorre la localidad donde ella vive para vender o para que le hagan los pedidos, deja a crédito y cobra semanalmente, nos cuenta que lleva en este negocio como 12 años y que le va bien. Los productos los compra en Guayaquil.

Este crédito lo va a utilizar en comprar más mercadería en especial interiores de damas ya que tiene algunos pedidos. Lleva 14 ciclos en el Banco Comunal y le gusta por las facilidades que brinda la institución. Su sueño es tener su propio almacén.

About Ecuador

  • $10,200
    Average annual income
  • 39
    View loans »
    Ecuador Loans Fundraising
  • $23,142,500
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,100 helped Rosa Esther to purchase clothing, especially women's undergarments.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Oct 19, 2010
Listed
Nov 26, 2010
Currency Exchange Loss:
N/A
Ended:
May 15, 2011