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Placida Monserrate
The members of the Communal Bank “Mujeres Con Esperanza” (Women with Hope) meet every 15 days in the city of Portoviejo, the capital of Manabí. Portoviejo has been known for many years as the city of “Los Reales Tamarindos” because of the large quantities of tamarind fruit that are produced this time of year.


It is in this place that one can meet Sra. Placida. She is 40 years old, in a common-law relationship, and has a six-year-old son who is in school. Her husband is in the navy.


Placida is a homemaker who earns her own income by selling all types of clothing and products made by Oriflame (beauty products, cosmetics, perfumes, and women’s accessories). She works three days a week, offering her products on credit and collecting payments on a weekly basis. The Oriflame products are shipped to her home and Placida buys clothes in Guayaquil as often as necessary. She has been in business for six years and has done very well. Placida has plans of opening a “cevicheria” (a restaurant that serves marinated seafood) in the central part of the city and hopes that it will become a reality soon.


This loan will be used to buy perfumes, crèmes, cosmetics, and clothing. She has been with the Communal Bank for six years and enjoys being a member because the loans have been a great help in financing her business.


Her dream is to open a “cevicheria” in the central part of town.

View original language description ↓
En la ciudad de Portoviejo, capital de Manabí conocida desde hace muchos años como la ciudad de los reales tamarindos, por la gran cantidad de este fruto que había en aquella época, se reúnen cada quince días las socias del Grupo De Crédito Mujeres Con Esperanza.

En este lugar conocimos a la señora Placida, tiene 40 años de edad y mantiene una relación de unión libre de la cual tiene un hijo de 6 años el mismo que estudian en escuela. El marido es infante de marina.

Es un ama de casa que para obtener sus propios recursos se dedica a la venta de ropa de todo tipo y productos de Oriflame (productos de belleza, cosméticos, perfumería y accesorios para damas). Trabaja tres días a la semana, deja sus productos a crédito y cobra cada semana. Sus productos los recibe en su casa y lo que es ropa la va comprar a Guayaquil cada vez que necesita. Tiene seis años que se dedica a esta actividad y le va muy bien, ella está con la idea de poner una cevichería en el centro de la ciudad y próximamente hará esto realidad.

Este crédito es para comprar perfumes, cremas, cosméticos y ropa. Lleva seis años en el Grupo De Crédito y le gusta porque los créditos le ayudan mucho para financiar su negocio.

Sus sueños son tener un local en el centro de la ciudad para poner una cevichería.

About Ecuador

  • $10,200
    Average annual income
  • 34
    View loans »
    Ecuador Loans Fundraising
  • $23,216,275
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $775 helped Placida Monserrate to purchase perfumes, crèmes, cosmetics, and clothing.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Jul 8, 2011
Listed
Jul 24, 2011
Currency Exchange Loss:
N/A
Ended:
Dec 15, 2011