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Rosa Elena
Every two weeks, the members of the 'Subidita al Cielo' community bank meet in an area known as 'La Subidita al Cielo', in San Pablo neighborhood, in the city of Portoviejo. This is a very densely-populated, poor area of the city.

Rosa is a founding member of her community bank. She is also the bank's president. She likes the ease with which she can obtain loans since they do not have so many requirements. Rosa is 48 years old, married, and has two grown-up children who live independently. Her husband is a taxi driver.

Rosa is a good home maker who, in order to make her own money and help her husband in the hard task of running their household, also sells clothes and Yanbal products (beauty products, cosmetics, perfumes and ladies' accessories) through catalogs. She makes her sales door to door and works every day. She leaves her products with her customers on credit and collects payment every fortnight. She receives her products in her home and gets her clothes in the city center, from a distributor. She has been selling Yanbal products for three years and just started selling clothes with her previous loan. She tells us that she has sold quite a lot.

Rosa will use this loan to buy perfume, creams, cosmetics and clothes since she has some orders to fill. Her dream is to have a larger business.
View original language description ↓
En el sector conocido como la subidita al cielo en el barrio San Pablo de la ciudad de Portoviejo cada quince días se reúnen las socias del Banco Comunal Subidita Al Cielo, esta es una zona urbano marginal muy poblada en esta ciudad.

La señora Rosa es socia fundadora del Banco comunal es la presidenta del mismo y le gusta las facilidades para conseguir los créditos ya que estos son sin tantos requisitos. Tiene 48 años de edad, está casada y de esta relación tiene dos hijos los cuales ya son mayores de edad e independientes. Su esposo es taxista.

Es una buena ama de casa que para obtener sus propios recursos y ayudar a su esposo en la dura tarea del hogar se dedica a la venta de ropa por catalogo y productos de Yanbal (productos de belleza, cosméticos, perfumería y accesorios para damas). Su forma de venta es puerta a puerta y trabaja todos los días, ella deja sus productos a crédito y cobra cada quince días. Sus productos los recibe en su casa y lo que es ropa en el centro en una distribuidora. Tiene tres años que se dedica a la venta de Yanbal y lo que es ropa recién con el crédito anterior empezó y nos cuenta que ha vendido bastante.

Este crédito es para comprar perfumes, cremas, cosméticos y ropa ya que tiene algunos encargos.

Su sueño es tener un negocio más grande.

About Ecuador

  • $10,200
    Average annual income
  • 21
    View loans »
    Ecuador Loans Fundraising
  • $22,592,300
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $950 helped Rosa Elena to buy perfume, creams, cosmetics and clothes.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Jun 16, 2011
Listed
Jun 29, 2011
Currency Exchange Loss:
N/A
Ended:
Jan 15, 2012