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Manuela Adelaida
The village bank Estrella de Belén meets every 15 days in the neighborhood of Santa Marianita in the city of Manta, known for its beautiful beaches which are very popular with local and foreign tourists year-round. Most of the people there make their living from fishing or other work related to the ocean.

There we met Manuela, who is 43 years old, married and has three children - 29, 17 and 8 years old. They are studying in the university, high school and elementary school. Her husband is a fisherman.

She is a housewife who, in order to have her own money, sells catalog clothing, Porta phone cards and Yanbal products (beauty products, cosmetics, perfume and women's accessories). She works every day since she sells from home, where she has a small store. She sells her products on credit and charges every week or every 15 days, depending on what her customers want. She receives the Yanbal products at home and the clothing and phone cards downtown from a distributor. She has been doing this for 4 years.

This loan is to buy perfume, creams, cosmetics, phone cards and catalog clothing. This is her fourth cycle with the village bank and she likes it because the payments are easy to make. Her dreams are to continue with her business and that her children will be professionals.
View original language description ↓
El Banco Comunal Estrella De Belén que se reúne cada 15 días en el Barrio Santa Marianita de la ciudad de Manta, conocido por sus hermosas playas que son muy visitadas en toda época del año por turistas nacionales y extranjeros, en este lugar la mayoría de los habitantes se dedica a la pesca y a las faenas del mar.

En este lugar conocimos a la señora Manuela, ella tiene 43 años de edad, está casada y de esta relación tiene tres hijos de 20, 17 y 8 años todos estudian en Universidad, colegio y escuela. Su esposo se dedica a la pesca.

Es una ama de casa que para obtener sus propios recursos se dedica a la venta de ropa por catalogo, tarjetas telefónicas de Porta y productos de Yanbal (productos de belleza, cosméticos, perfumería y accesorios para damas). Trabaja todos los días ya que vende en su casa donde tiene un pequeño local, deja sus productos a crédito y cobra cada semana o cada quince de acuerdo a lo que quieran sus clientes. Sus productos lo que es Yanbal lo recibe en su casa y lo que es ropa y tarjetas telefónicas en el centro en una distribuidora. Lleva cuatro años que se dedica a esta actividad.

Este crédito es para comprar perfumes, cremas, cosméticos, tarjetas y ropa de catalogo. Este es el cuarto ciclo en el Banco Comunal y le gusta porque los pagos son fáciles de hacer. Sus sueños son seguir en sus negocios y que sus hijos sean profesionales.

About Ecuador

  • $10,200
    Average annual income
  • 18
    View loans »
    Ecuador Loans Fundraising
  • $22,578,800
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $900 helped Manuela Adelaida to buy perfume, creams, cosmetics, telephone cards and clothes.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Jan 31, 2011
Listed
Feb 6, 2011
Currency Exchange Loss:
N/A
Ended:
Aug 15, 2011