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Bernarda Angelica
In the Crucita parish, in Portoviejo Canton, we find a place known as "Los Arenales". Here the members of the communal bank "Fe y Esperanza" meet every two weeks. This area is known for its beautiful beaches, gastronomy and warmth of its people.

Here we meet Mrs. Bernarda, age 32, who is married and has three daughters, ages 13, 11 and 5 who are in school. Her husband is a fisherman.

She is a homemaker who earns her own income by selling Yanbal products (beauty products, cosmetics, perfume and ladies' accessories). She works three days a week and delivers her orders on a credit basis, collecting payment every one or two weeks, depending on each customer. She receives her products at home. She says she has been in business for five years and it has gone well for her. A friend of hers who does the same thing was the one to get her started.

This loan is to buy perfumes, creams, cosmetics and costomer jewelry. It is her third loan through the communal bank which she enjoys because of the benefits the institution offers.

Her dream is to have a pharmacy one day.
View original language description ↓
En la parroquia Crucita del cantón Portoviejo, encontramos un lugar conocido como los arenales aquí cada quince días se reúnen las socias del Banco Comunal Fe y Esperanza, este lugar es conocido por sus hermosas playas, por su gastronomía y por la calidez de su gente.

En este lugar conocimos a la señora Bernarda, tiene 32 años de edad, está casada y de esta relación tienen tres hijas de 13, 11 y 5 años de edad, las mayores estudian en colegio y la menor en escuela. Su esposo se dedica a la pesca.

Es un ama de casa que para obtener sus propios recursos se dedica a la venta de productos de Yanbal (productos de belleza, cosméticos, perfumería y accesorios para damas). Trabaja tres días a la semana, 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. Nos cuenta que tiene cinco años que se dedica a esta actividad y le va muy bien y que empezó por una amiga que la invito a que se dedicara a esta actividad.

Este crédito es para comprar perfumes, cremas, cosméticos y bisutería. Este es el tercer ciclo en el Banco Comunal y le gusta por los beneficios que brinda la institución.

Su sueño es tener una farmacia.

About Ecuador

  • $10,200
    Average annual income
  • 67
    View loans »
    Ecuador Loans Fundraising
  • $23,510,575
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,000 helped Bernarda Angelica to buy perfumes, creams, cosmetics and costume jewelry.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Apr 26, 2011
Listed
May 12, 2011
Currency Exchange Loss:
N/A
Ended:
Nov 15, 2011