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Juana Ofelia
In the beautiful city of Bahía De Caraquez, known for its beaches, rich food, and quality of people, the 25 Rosas (Roses) Communal Bank meet every 15 days.

For Juana, the years have passed very quickly although she still remembers when some friends decided to band together and form the communal bank. Now after so many years, she is satisfied by the help that she has received as well as by the help her fellow members have received. She acts as secretary for the bank, she is 41 years old, and she is a single mother of two children who are 17 and 9 years old and are in primary and secondary school.

She is a sales woman, selling all types of clothes. She sells door to door and by advance order. She has a lot of customers who order her products because she gives them payment options. She collects payments on weekends which is good because when she's collecting payments she can also make additional sales. She works almost all day on the weekends with her sister's help. She buys her merchandise once a month at the market in Guayaquil because there is more product variety there.

This loan will be used to buy men's and women's pants, shirts, blouses, and wallets because she already has several orders. Her dream is to buy a car that she can use to make sales in. She also wants a store where she can expand her sales to include a larger variety of products.
View original language description ↓
En la hermosa ciudad de Bahía De Caraquez, conocida por sus playas, por su rica gastronomía y por la calidez de su gente, cada quine días se reúnen las socias del Banco Comunal 25 Rosas.

Para la señora Juana los años han pasado muy rápido aun recuerda cuando con algunas amigas decidieron unirse y formar el Banco Comunal, ahora después de tantos años se siente satisfecha por la ayuda que han recibido tanto ella como sus compañeras del grupo, se desempeña como secretaria del Banco, tiene 41 años de edad, es madre soltera de dos hijos de 17 y 9 años los cuales estudian en colegio y escuela.

Ella se dedica al comercio, vende ropa de todo tipo. Su forma de venta es puerta a puerta o por encargo, tiene muchos clientes que le piden sus productos ya que les da facilidades de pago, ella cobra los fines de semana lo cual es una ventaja ya que al cobrar realiza nuevas ventas. Trabaja los fines de semana casi todo el día con la ayuda de una hermana. La mercadería compra una vez al mes en Guayaquil ya que allá hay más variedad de productos.

Este crédito lo va a utilizar en comprar pantalones de damas y caballeros, camisetas, blusas y carteras ya que tiene algunos encargos. Su sueño es comprar un carro para realizar sus ventas y un almacén donde ampliar sus ventas con mayor variedad de productos.

About Ecuador

  • $10,200
    Average annual income
  • 38
    View loans »
    Ecuador Loans Fundraising
  • $23,094,925
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $550 helped Juana Ofelia purchase women's and men's pants, shirts, blouses, and wallets.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Nov 30, 2010
Listed
Dec 5, 2010
Currency Exchange Loss:
N/A
Ended:
Jun 15, 2011