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Gloria Ramona
The Communal Bank “Chimborazo” meets every 15 days in the parish of Picoaza of the city of Portoviejo. This place is known for its commercial activity, its traditional festivals for St. Peter and St. Paul, and the cheerfulness of its people.


It is in the place that one can meet Sra. Gloria. She is 35 years old, in a common-law relationship, and has three children (ages 12, 11, and 8) who are in school. Her husband is a merchant.


Gloria sells all types of clothing and works by going door-to-door. She also sells from her home where she has a small store. Gloria says that most of her merchandise is sold through orders placed by her customers. She works three days a week from 8am to 11am. After that, she returns home to prepare food for her children when they come back from school. Sometimes Gloria will make sales in the afternoons when she has the time. She offers her products on credit and collects payment every Sunday. Gloria buys her merchandise in Guayaquil every time she receives orders. She has been in business for six years and has done quite well since she has many customers.


This loan will be used to buy more merchandise such as trousers, blouses, shirts, and children’s clothing. She has been with the Communal Bank from the beginning and enjoys the assistance she has received through the loans. Her dream is to continue with her business.

View original language description ↓
El Banco Comunal Chimborazo se reúne cada quince días en la parroquia Picoaza de la ciudad de Portoviejo. Lugar conocido por ser una zona muy comercial, por sus fiestas tradicionales de San Pedro y San Pablo y por la alegría de su gente.

En este lugar conocimos a la señora Gloria, tiene 35 años de edad, mantiene una relación de unión libre y de esta relación tienen tres hijos de 12, 11 y 8 años de edad los mismos que estudian en colegio y escuela. El marido es comerciante.

Ella se dedica a la venta de ropa de todo tipo, su forma de venta es puerta a puerta y también vende en su casa donde tiene un pequeño local, nos cuenta que la mayor parte de su mercadería la vende bajo pedidos que le realizan sus clientes. Trabaja tres días a la semana desde las 8h00 hasta las 11h00 ya que a esa hora tiene que llegar a su casa a preparar la comida para cuando lleguen sus hijos de la escuela y en las tardes a veces cuando tiene tiempo también se va a hacer sus ventas. Deja sus productos a crédito y cobra cada domingo. Su mercadería la va a comprar a Guayaquil cada vez que tiene pedidos. Lleva 6 años que se dedica a esta actividad y le va bastante bien ya que cuenta con bastante clientela.

Este crédito lo va emplear en comprar más mercadería como: pantalones, blusas, camisetas y ropa de niños. Está en el banco comunal desde sus inicios y le gusta por la ayuda que recibe con estos créditos.

Su sueño es seguir adelante con su negocio.


About Ecuador

  • $10,200
    Average annual income
  • 31
    View loans »
    Ecuador Loans Fundraising
  • $22,854,475
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $900 helped Gloria Ramona to purchase trousers, blouses, shirts, and children’s clothing.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Jun 20, 2011
Listed
Jul 10, 2011
Currency Exchange Loss:
N/A
Ended:
Nov 16, 2011