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Jenny Johanna
In the lowlands of Montecristi, a city known for the great diversity of its traditional products such as the woven Panama hats that are famous inside and outside of the country, the communal bank "Madres Unidas" meets every 15 days.

Here we meet Jenny, 22, who is married and has a 6 year-old child who is in school. Her husband works in a factory in Manta. She is studying to become a licensed nurse at the University of Manta.

She is a housewife who, in order to have her own income, has a business selling clothing from a catalog and selling Yanbal products (beauty products, cosmetics, perfumes and women's accessories.) She sells door-to-door, and she works 3 days each week from her house, although every day she takes her products to sell to her classmates at the university. She sells her products on credit, and collects every week or every 15 days. She has been doing this work for 2 years, and it is going very well. She tells us that she started out because her friend invited her to work with Yanbal, and with a loan she was able to get started.

This loan will be used to buy perfumes, creams, cosmetics and all types of clothing. She has been in her communal bank for more than 2 years, and she is the secretary of the bank. She likes it because of the easy credit terms on the loans.

Her dream is to have her own boutique.
View original language description ↓
En Los Bajos de Montecristi, ciudad conocida por su gran diversidad de productos típicos, como por ejemplo los sombreros de paja toquillas conocidos dentro y fuera del país se reúnen cada 15 días las socias del Banco Comunal Madres Unidas.

En este lugar conocimos a la señora Jenny, tiene 22 años de edad, está casada y de esta relación tienen un hijo de seis años de edad y estudia en escuela. Su esposo trabaja en una fábrica en Manta. Ella estudia para Lic. En enfermería en la universidad de Manta.

Es una ama de casa que para obtener sus propios recursos 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, trabaja tres días a la semana por su casa aunque todos los días lleva para vender a sus compañeras en la universidad, deja sus productos a crédito y cobra cada semana o cada quince días. Tiene dos años que se dedica a esta actividad y le va muy bien, nos cuenta que empezó por que una amiga la invito a formar parte de Yanbal y fue con uno de los créditos que pudo comenzar.

Este crédito es para comprar perfumes, cremas, cosméticos y ropa de todo tipo. Lleva más de dos años en el Banco Comunal, es la secretaria del banco y le gusta porque los pagos son fáciles de hacer.

Su sueño es tener una boutique.

About Ecuador

  • $10,200
    Average annual income
  • 45
    View loans »
    Ecuador Loans Fundraising
  • $23,087,325
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,100 helped Jenny Johanna to buy perfume, creams, cosmetics and clothing.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Jun 30, 2011
Listed
Jul 20, 2011
Currency Exchange Loss:
N/A
Ended:
Nov 15, 2011