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Gema Monserrate
In the canton of Rocafuerte, the members of the "Mujeres Trabajadoras" ["Hard-Working Women"] communal bank meet every two weeks. This area is known for the delicious sweets prepared by the local people which are recognized throughout the country.

Gema is 20 years old and married. With her husband she has a beautiful little girl only 5 months old, which is her greatest gift, as she reports. Her husband is an active member of the military. She is studying cosmetology at an institute in the city of Manta, and this year she is finishing her studies.

She has a beauty salon where her customers come for many personal beauty treatments. She offers haircuts, hair styling, hair coloring, and makeup. She works every day from 2 p.m. to 7 p.m.; she works only in the evenings because she has to go to her classes in the mornings. She also sells beauty products and treatments.

This loan is to buy shampoo, hair dyes, and creams as well as tools that she still needs in her salon, and also to pay for her thesis. It is her first loan cycle in the communal bank, and she likes it because of the speed with which she obtained the loan. Her dreams are to finish her studies and open a large spa.
View original language description ↓
En el cantón Rocafuerte se reúnen cada quince días las socias del Banco Comunal Mujeres Trabajadoras. Este lugar se lo conoce por sus deliciosos dulces que preparan los lugareños y que son reconocidos en todo el país.

Gema tiene 20 años de edad, esta casada y fruto de esta relación tiene una hermosa pequeñita de 5 meses de nacida la cual es el mejor regalo según nos cuenta. Su esposo es militar activo. Estudia cosmetología en un instituto en la ciudad de Manta y este año termina sus estudios.

Tiene un salón de belleza, donde sus clientes llegan a realizarse muchos trabajos de belleza personal, realiza cortes de cabello, tinturados peinados y maquillajes, trabaja todos los días desde las 14h00 hasta las 19h00, trabaja solo en las tardes ya que en las mañanas tiene que ir a sus estudios. También vende productos y tratamientos de belleza.

Este crédito es para comprar shampoo, tintes, cremas además de implementos que aún le faltan en su salón, además para pagar su tesis. Es su primer ciclo en el Banco Comunal y le gusta por la rapidez con la que consiguió el crédito. Sus sueños son terminar sus estudios y tener un gran SPA.

About Ecuador

  • $10,200
    Average annual income
  • 40
    View loans »
    Ecuador Loans Fundraising
  • $23,469,600
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $550 helped Gema Monserrate buying shampoo, hair dyes, creams, and tools for her salon, and also paying the costs for her graduation thesis.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Nov 17, 2010
Listed
Dec 1, 2010
Currency Exchange Loss:
N/A
Ended:
Jun 15, 2011