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Viviana Azucena
The communal bank "Union y Solidaridad" meets twice a month in the San Pablo parish of the city of Portoviejo, the capital of Manabi, known for many years as the City of the Royal Tamarinds.

In this place we meet Viviana, 23, who is in a common-law marriage that has produced two children aged 4 and 2. Her husband is a bricklayer.

Viviana is a housewife who, in order to generate her own income, has a business selling products through catalogs. She sells clothing, shoes, sandals and also products from the Yanbal, Esika and Lebel lines (beauty products, cosmetics, perfumes and women's accessories.) She works 3 days a week and she goes door-to-door taking orders. She sells her products on credit and collects every week. She receives the beauty products in her home, and buys the clothing and shoes in a distribution center. She has had this business for 2 years, and it is going very well. She tells us that the sandals are in great demand by her customers, since they are nice looking and are reasonably priced.

This loan will be used to buy perfumes, creams, cosmetics, clothing, shoes and sandals. This is her 2nd loan cycle in this communal bank, and she likes it because her fellow group members have shown her a lot of support and kindness.

Her dreams are to get a university education and expand her business.
View original language description ↓
En la parroquia San Pablo de la ciudad de Portoviejo, capital de Manabí conocida desde hace muchos años como la ciudad de los reales tamarindos, se reúnen cada quince días las socias del Banco Comunal Unión Y Solidaridad.

En este lugar conocimos a la señora Viviana, tiene 23 años de edad y mantiene una relación de unión libre de la cual tiene dos hijos de 4 y 2 años de edad. El marido es albañil.

Es una ama de casa que para obtener sus propios recursos se dedica a la venta de productos por catalogo, vende ropa, zapatos y sandalias, además de productos de Yanbal, Esika y Lebel (productos de belleza, cosméticos, perfumería y accesorios para damas). Trabaja tres días a la semana y su forma de venta es puerta a puerta y bajo pedido, deja sus productos a crédito y cobra cada semana. Sus productos los recibe en su casa y lo que es ropa y calzado compra en el centro en una distribuidora. Tiene dos años que se dedica a esta actividad y le va muy bien. Nos cuenta que las sandalias son muy solicitadas por sus clientes ya que son bonitas y a precios razonables.

Este crédito es para comprar perfumes, cremas, cosméticos, ropa, zapatos y sandalias. Este es el segundo ciclo en el Banco Comunal y le gusta porque sus compañeras le han demostrado mucho cariño y ayuda.

Sus sueños son estudiar una carrera universitaria y agrandar su negocio.

About Ecuador

  • $10,200
    Average annual income
  • 24
    View loans »
    Ecuador Loans Fundraising
  • $22,853,275
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $625 helped Viviana Azucena to buy perfumes, creams, cosmetics, clothing, shoes and sandals.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Apr 14, 2011
Listed
May 6, 2011
Currency Exchange Loss:
N/A
Ended:
Sep 15, 2011