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Jacqueline Floribel
Every two weeks, the members of the Miraflores community bank meet in a place known as Los Arenales, in Crucita parish, in Portoviejo canton. This place is known for its beautiful beaches, its cuisine and the warmth of its people.

Here we meet 25 year-old Jacqueline who has a common-law marriage and a three year-old son. Her husband has been abroad for three years.

Jacqueline is a homemaker who, in order to make her own money, also sells clothes through a catalog and Avon products (beauty products, cosmetics, perfumes and ladies' accessories). In addition to selling these products, she also works with her dad who has a small truck which they use to buy and sell fish. They buy the fish from local fishermen and then take it to sell to the large companies in Manta. They do this four days a week. Jacqueline sells her other products in her free time and on weekends. She leaves her products on credit and collects payment every week. She tells us that she has been selling her products for more than six years and that she wants to continue increasing her businesses every day.

Jacqueline will use this loan to buy perfume, creams, cosmetics, clothes and fish. She has been a member of her community bank since the beginning and is its treasurer. She likes it because the loans can be obtained quickly and the interest rates are low.

Jacqueline's dream is to own her own home as she currently rents.
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 Miraflores, 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 Jacqueline, tiene 25 años de edad y mantiene una relación de unión libre de la cual tiene un hijo de tres años de edad. El marido esta hace tres años en el extranjero.

Es una ama de casa que para obtener sus propios recursos se dedica al comercio, vende ropa por catalogo y productos de Avon (productos de belleza, cosméticos, perfumería y accesorios para damas). Además de estos productos también junto con su papá que tiene un pequeño camión se dedican a la compra y venta de pescado los mismos que los compran a pescadores de la zona para luego llevarlos a Manta a las grandes empresas, esto lo realizan cuatro días a la semana. Sus otros productos los vende en sus ratos libres y fines de semana, estos los deja a crédito y cobra cada ocho días. Nos cuenta que lleva más de seis años dedicada a sus ventas y que cada dia quiere seguir aumentando sus negocios.

Este crédito es para comprar perfumes, cremas, cosméticos, ropa y pescado. Esta desde el inicio en el Banco Comunal, es la tesorera y le gusta porque dan los créditos rápidamente y los intereses son bajos.

Su sueño es tener una casa propia ya que donde vive es alquilado.


About Ecuador

  • $10,200
    Average annual income
  • 57
    View loans »
    Ecuador Loans Fundraising
  • $23,490,725
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $900 helped Jacqueline Floribel to buy perfumes, creams, cosmetics, clothes and fish.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
May 11, 2011
Listed
May 22, 2011
Currency Exchange Loss:
N/A
Ended:
Dec 15, 2011