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Verónica Johanna
The Banco Comunal 1 De Agosto (1st of August Communal Bank) meets every fifteen days in the canton of Montecristi, which is known for its rich pre-colonial culture and nationally and internationally recognized handicrafts. The place is famous for Panama hats.


In this place we meet Señora Verónica. She is 26 years old, married and has two children from this relationship, ages 7 and 4. The older attends school. Her husband works in a business in Manta.


She is a housewife and, in order to obtain her own income, engages in catalogue sales of clothing and Yanbal products (beauty products, cosmetics, perfumes and women’s accessories). She also sells women’s underwear. She works five days a week in the mornings, taking advantage of the fact that one of her children is in school and the other is easier to take care of. She sells her products on credit and collects payment each week or every fifteen days, according to the desires of her customers. She receives the products at her house and buys the underwear in Manta.


This loan is for purchasing perfume, creams, cosmetics and underwear. This is her third cycle in the communal bank. She likes it because the payments are easy to make. Her dream is to have a boutique.

View original language description ↓
EL Banco Comunal 1 De Agosto que se reúne cada quince días en el Cantón Montecristi , conocido por su rica cultura pre colonial y por su artesanía que es reconocida a nivel nacional e internacional. Lugar de los famosos sombreros de paja toquilla.

En este lugar encontramos a la señora Verónica. Tiene 26 años de edad, está casada y de esta relación tiene dos hijos de 7 y 4 años, el mayor estudia en escuela. Su esposo trabaja en una empresa en Manta.

Es una ama de casa que para obtener sus propios recursos se dedica a la venta de ropa por catalogo y productos de Yanbal (productos de belleza, cosméticos, perfumería y accesorios para damas). También vende ropa interior de damas. Trabaja cinco días a la semana por las mañanas ya que aprovecha que uno de sus hijos esta en la escuela y al otro se le hace más fácil cargarlo, deja sus productos a crédito y cobra cada semana o cada quince de acuerdo a lo que quieran sus clientes. Sus productos los recibe en su casa y lo que es ropa interior las compra en Manta.

Este crédito es para comprar perfumes, cremas, cosméticos y ropa interior. Este es el tercer ciclo en el Banco Comunal y le gusta porque los pagos son fáciles de hacer. Sus sueños son tener una boutique.

About Ecuador

  • $10,200
    Average annual income
  • 12
    View loans »
    Ecuador Loans Fundraising
  • $22,566,025
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $675 helped Verónica Johanna to purchase perfumes, creams, cosmetics and women's underwear.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Dec 17, 2010
Listed
Jan 6, 2011
Currency Exchange Loss:
N/A
Ended:
May 15, 2011