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Esmeralda Bibiana
The members of the August 4th Communal Bank meets every 15 days in the parish of Andrés de Vera in the city of Portoviejo, the capital of Manabí. For many years, Portoviejo has been known as the City of the Royal Tamarind Trees.


Sra. Esmeralda lives in this place. She is 51 years old and currently in a common-law relationship. Esmeralda has three children from a previous relationship who are now grown and independent. Her husband is an automobile mechanic.


Esmeralda is a homemaker who earns her own income by selling clothing through catalogs and Avon products (beauty products, cosmetics, perfumes, and women’s accessories). She works every day by going door-to-door. Other customers come to her house. Esmeralda extends credit for her products and collects payment at the end of each week. She has been in this business for three years and has done very well.


This loan will be used to buy perfumes, crèmes, cosmetics, trousers, blouses, and clothing in general. Esmeralda is participating in her fourth loan with the Communal Bank and enjoys being a member because the payments are easy to make. Her dream is to have a store where she can sell clothes and all of her products.

View original language description ↓
En la parroquia Andrés De Vera de la ciudad de Portoviejo, capital de Manabí conocida desde hace muchos años como la ciudad de los reales tamarindos, se reúnen cada quince días las socias del Banco Comunal 4 De Agosto.

En este lugar vive la señora Esmeralda, tiene 51 años, actualmente mantiene una relación de unión libre y de otra relación que tuvo hace tiempo tiene tres hijos los mismos que son mayores de edad e independientes. El marido es mecánico automotriz.

Es una ama de casa que para obtener sus propios recursos se dedica a la venta de ropa por catalogo y productos de Avon (productos de belleza, cosméticos, perfumería y accesorios para damas). Trabaja todos los días y su forma de venta es puerta a puerta y otros clientes llegan hasta su casa, deja sus productos a crédito y cobra cada fin de semana. Tiene tres años que se dedica a esta actividad y le va muy bien.

Este crédito es para comprar perfumes, cremas, cosméticos, pantalones, blusas y ropa en general. Este es el cuarto ciclo en el Banco Comunal y le gusta porque los pagos son fáciles de hacer.

Su sueño es tener un local para vender la ropa y todos sus productos.

About Ecuador

  • $10,600
    Average annual income
  • 94
    View loans »
    Ecuador Loans Fundraising
  • $24,095,375
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,100 helped Esmeralda Bibiana to buy perfumes, crèmes, cosmetics, trousers, blouses, and clothing in general.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Sep 27, 2011
Listed
Oct 4, 2011
Currency Exchange Loss:
N/A
Ended:
Apr 15, 2012