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Ayda Merilin
The “María Inmaculada” (Mary Immaculate) communal bank meets every two weeks in La Sequita Parish in Montecristi, a canton that’s known as the birthplace of the “Viejo Luchador,” Eloy Alfaro, and for the famous straw hats that are admired both inside the country and abroad.

Ayda, 23, lives here. She’s married and has a one-year-old son and a 10-month-old baby. Her husband works in a factory in Manta.

She is a very good housewife who, in order to earn income of her own and be able to buy needed things for her children, sells all types of clothes and costume jewelry door to door. Most of her sales are based on prior orders from her customers. She works three days a week, mostly in the evening after her husband gets home so he can stay home and take care of the children. She sells on credit and collects payment each Saturday. She goes to Portoviejo to buy merchandise each time she needs to. She also raises chickens at home that she sells to merchants.

She will use this loan to buy more merchandise like: pants, blouses, t-shirts and children’s clothes. She’s been in the communal bank since the beginning and she likes it because it was thanks to her first loan that she was able to start her business.

Her dream is to have a house of her own because she currently lives at is her mother's.
View original language description ↓
El Grupo De Crédito María Inmaculada se reúne cada quince días en La parroquia La Sequita de Montecristi, cantón conocido como la cuna del viejo luchador Eloy Alfaro y por los famosos sombreros de paja toquilla que son apreciados dentro y fuera del país.

En este lugar vive la señora Ayda, tiene 23 años de edad, está casada y de esta relación tienen 1 hijo de 2 años y un bebé de 10 meses. Su esposo trabaja en una fábrica en Manta.

Ella es una muy buena ama de casa que para ganarse algo propio y poder comprar cosas necesarias para sus hijos se dedica a la venta de ropa de todo tipo y bisutería, su forma de venta es puerta a puerta, la mayor parte de sus ventas las hace a base de pedidos que le realizan sus clientes. Trabaja tres días a la semana más que todo en las noches cuando su esposo llega del trabajo y puede quedarse con los niños, ella deja a crédito a sus clientes y cobra cada sábado. Su mercadería la va a comprar a Portoviejo cada vez que necesite. También cría pollos en su casa los mismos que entrega a comerciantes.

Este crédito lo va emplear en comprar más mercadería como: pantalones, blusas, camisetas y ropa de niños. Está en el Banco Comunal desde del inicio y le gusta porque gracias al primer crédito empezó en su negocio.

Su sueño es tener su casa propia ya que donde vive es de su mamá.



About Ecuador

  • $10,200
    Average annual income
  • 41
    View loans »
    Ecuador Loans Fundraising
  • $23,096,425
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $625 helped Ayda Merilin to buy clothes.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Jul 19, 2011
Listed
Aug 2, 2011
Currency Exchange Loss:
N/A
Ended:
Dec 15, 2011