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Débora Herminia
The Por Un Nuevo Amanecer (For A New Dawn) Community Bank meets every 15 days in the village of Montecristi, which is known for its rich precolonial culture and its handicrafts that are recognized on a national and international level. It is also famous for making Panama hats. It's here we find Débora, a 42-year-old mother of four children who lives with her common-law husband. Three of her children are adults, while the youngest is 9. All four live with her, and two are attending the university and in school. Her husband is an official for a bus cooperative in Montecrisit. Débora works for a company in the city of Manta, but she also makes a living selling Avon beauty products (cosmetics, perfumes and women's accessories). She works every day in the evenings, and her daughters also help her with the sales. She takes the products on credit, which she pays off every week. She tells us she started the business a year ago with a loan she received from Kiva partner Fundación Espoir and that it has gone very well because she has earned a new source of income that has helped a lot with household expenses. With this loan she plans to purchase perfumes, lotions and cosmetics. This is her third loan with the community bank and she likes it because the payments are easy to make. Her dream is to have a store where she can start a bookshop.
View original language description ↓
EL Banco Comunal Por Un Nuevo Amanecer 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.
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En este lugar encontramos a la señora Débora, tiene 42 años de edad y mantiene una relación de unión libre de la cual tiene cuatro hijos, tres de ellos mayores de edad y el último de 9 años, dos de ellos estudian en Universidad y en escuela, todos viven en su casa. El marido es oficial de un bus de la cooperativa de Montecristi.

Trabaja en una empresa en Manta pero además se dedica al comercio, vende productos de Avon (productos de belleza, cosméticos, perfumería y accesorios para damas). Trabaja todos los días en las noches, además sus hijas le ayudan con las ventas, deja sus productos a crédito y cobra cada semana. Nos cuenta que empezó su negocio hace un año con el crédito que recibió de la Fundación Espoir y que le ha ido muy bien ya que ha obtenido un ingreso nuevo que le ayuda mucho con los gastos del hogar.

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

About Ecuador

  • $10,600
    Average annual income
  • 95
    View loans »
    Ecuador Loans Fundraising
  • $24,092,775
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $675 helped Débora Herminia purchase perfumes, lotions and cosmetics.
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