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Zumilda Margarita Espera
In the outskirts of Portoviejo and on the way to the city of Manta, we find the the neighborhood of Metropolitana. This is where, every 2 weeks, there is a meeting of the members of the communal bank, "Banco Comunal Metropolitana."

Señora Zunilda the is founding member of the communal bank, and she likes it because of the help she has received through the loans. With them she has been able to finance her business and earn an honest living. Señora Zunilda is 52 years old. Her husband passed away a number of years ago. Together, she and her husband had 8 children. They are all grown, but three of them still live with her.

In the mornings, Señora Zunilda works in a house as the housekeeper. In the afternoons and on weekends, she earns a living selling bottled water. Her niece has a store and allows her to sell her water from the store. Señora Zunilda tells us that thanks to the loans, she has been able to keep her small business going; it's not so big, but it at least allows her to earn enough to meet her daily expenses. She has been in the business for three years, and she tells us that it has gone well for her.

The loan is for purchasing bottled water.

Her dream is to, one day, have a soda bar.
View original language description ↓
En las afueras de Portoviejo vía a la ciudad de Manta encontramos la ciudadela Metropolitana, lugar donde se reúnen cada quince días las socias del Banco Comunal Metropolitana.

La señora Zunilda es socia fundadora del Banco comunal y le gusta por la ayuda que le dan con los créditos para poder financiar su negocio ya que con este ella puede ganarse la vida honradamente. Tiene 52 años de edad, hace varios años su esposo falleció y de esta relación tiene 8 hijos los cuales ya son mayores de edad pero tres de ellos aun viven con ella.

Ella trabaja en una casa haciendo quehaceres domésticos por las mañanas pero en las tardes y fines de semana se dedica a vender agua en bidón, esto lo hace en una tienda que tiene una sobrina en la cual le permite que ella venda este producto, nos cuenta que gracias a los créditos ha podido sacar adelante este pequeño negocio que no es tan grande pero le permite por lo menos ganarse algo para su sustento diario. Lleva tres años en este negocio y nos cuenta que le ha ido bien.

Este crédito es para comprar agua en bidones.

Su sueño es algún dia tener un soda bar.

About Ecuador

  • $10,600
    Average annual income
  • 102
    View loans »
    Ecuador Loans Fundraising
  • $24,223,100
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,100 helped Zumilda Margarita Espera to purchase bottles of water.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
May 10, 2011
Listed
May 23, 2011
Currency Exchange Loss:
N/A
Ended:
Dec 15, 2011