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Melba Ernestina
The village bank "20 de Abril" meets every 15 days in the canton of Montecristi (Portoviejo), known for its rich precolonial culture and craftsmanship that is recognized nationally and around the world. It is famous for Panama hats made of palm fiber.

Here we meet Melba, 55, separated, and a mother of one grown daughter who still lives with her.

In order to earn a living, and make sure that her daughter didn't lack for anything, she took what few resources she had and started a business 8 years ago selling clothing. She still has the same business today, and is now also selling Avon products (beauty products, cosmetics, perfume and ladies' accessories). This has helped her to sustain herself honorably. She sells her products door-to-door, working 3 days a week. She leaves items on credit and collects payment on the weekend.

This loan will help her to buy more merchandise like: pants, blouses, shirts and Avon cosmetics. She has been with the village bank since the beginning, is the president of the group and likes it because the group is excellent.

Her dreams are to continue moving forward with her business and to enjoy good health.
View original language description ↓
EL Banco Comunal 20 De Abril se reúne cada 15 días en el Cantón Montecristi (Portoviejo), conocido por su rica cultura pre colonial y por su artesanía que es reconocida a nivel nacional e internacional. Lugar de los famosos sombreros de paja toquilla.

En este lugar conocimos a la señora Melba, tiene 55 años de edad, está separada pero de esa relación tuvo una hija la misma que ya es mayor de edad y aun vive con ella.

Ella para ganarse la vida y para que a sus hija no le faltara nada desde hace 8 años y con unos pocos recursos que tenia empezó un negocio de venta de ropa, el mismo que sigue teniendo hasta la actualidad, ahora también está vendiendo productos Avon (productos de belleza, cosméticos, perfumería y accesorios para damas) esto es lo que le ha servido para subsistir honradamente, su forma de venta es puerta a puerta, ella trabaja tres días por semana, deja a crédito y cobra cada fin de semana.

Este crédito lo va emplear en comprar más mercadería como: pantalones, blusas, camisetas y cosméticos Avon. Está en el Banco Comunal desde el inicio, es la presidenta del grupo y le gusta porque el grupo es excelente.

Sus sueños es seguir adelante en su negocio y tener buena salud.

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 $900 helped Melba Ernestina to buy pants, blouses, tee shirts and Avon cosmetics.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Oct 25, 2011
Listed
Oct 30, 2011
Currency Exchange Loss:
N/A
Ended:
Mar 15, 2012