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María Josefa
The member of the communal bank named "Ecological Park" meet every two weeks in the community of San Eduardo in the city of Portoviejo. This location is known for its beautiful park which attracts tourists and individuals of the region wishing to pass the day surrounded by nature.

Here we meet Maria. She has been a member of the communal bank for the past two loan cycles. This is a newly formed communal bank and she feels very comfortable because she has received numerous benefits from Fundacion Espoir (Kiva Field Partner) in support of her business. She is 28 years old, she is divorced, and she has a 3-year old son. She has a degree in nursing.

She sells Avon brand products (beauty products, cosmetics, perfumes, and ladies' accessories). She also sells clothing through a catalogue, working every day about two hours a day. She makes her sales by traveling from door to door and by taking orders. She completes her sales on credit, collecting weekly payments. She says that her biggest seller is makeup and she has had this business for the past seven years. This business has been a great help in supporting her son.

This loan will be used to purchase perfumes, jewelry, cosmetics, skin lotions, clothing, and other products. Her dream is to have a car and a job in her profession.
View original language description ↓
En la ciudadela San Eduardo, de la ciudad de Portoviejo, se reúnen cada quince días las socias del Banco Comunal Parque Ecológico, este lugar es conocido porque aquí hay un hermoso parque el cual es muy visitado por los turistas y personas de la localidad que quieren pasar un dia en contacto con la naturaleza.

Aquí encontramos a la señora María, ella está en el Banco Comunal desde el inicio hace dos ciclos ya que este es un Banco nuevo y dice que está muy a gusto porque ha recibido muchos beneficios de parte de la Fundación Espoir para sacar su negocio adelante. Tiene 28 años, está divorciada y tiene un hijo de 3 años, ella tiene un titulo de Lic. En enfermería.

Se dedica a la venta productos por Avon, (artículos de belleza, cosméticos perfumería y accesorios para damas). Además de ropa por catalogo, trabaja todos los días unas dos horas al dia, su forma de venta es puerta a puerta y por pedidos, deja a crédito y cobra semanalmente, nos cuenta que lo que más vende son los maquillajes y lleva en esta actividad siete años y que este negocio le ha servido de mucho para sacar a su pequeño hijo adelante.

Este crédito lo va a emplear en comprar perfumes, bisutería, cosméticos, cremas, ropa, entre otros productos. Sus sueños son tener un carro y un trabajo en su profesión.

About Ecuador

  • $10,200
    Average annual income
  • 16
    View loans »
    Ecuador Loans Fundraising
  • $22,607,425
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $675 helped María Josefa to purchase perfumes, jewelry, cosmetics, lotions, clothing, etc.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Jan 12, 2011
Listed
Jan 19, 2011
Currency Exchange Loss:
N/A
Ended:
Jun 15, 2011