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Bella Virginia

Update on Bella Virginia

The Communal Bank Jaime Roldos meets every fortnight in Jaramijo Canton (Manta). This area is known for the beautiful beaches that surround its coasts. The majority of the residents are very hard working and much of their work is related to the sea.

It is here that we meet Señora Bella. She is 52 years old, married and she has 6 grown-up children. Some of them are engaged but still living at home. One of her children suffers from diabetes, as does her husband who no longer works for this reason.

To earn a living and get her family ahead in life she sells bags of ice and ice cream that she sometimes makes herself or else buys at a local factory. She’s had this small, home-based business for several years now and she’s used it to help get ahead. For the past three months she has also been making lunches, but only at the weekend. This business is going very well for her and she is making good profits.

This loan is for buying plastic bags, ice cream and supplies for preparing her food. She is the founding member of the Communal Bank and she likes it because the loans are a great source of help.

She is taking another loan with the bank as with her previous one she managed to buy the necessary things to start her food business, which is delivering good profits and improving her life.

Her dream is to get ahead in her business and daily life.
View original language description ↓
El Banco Comunal Jaime Roldos se reúne cada 15 días en el cantón Jaramijo (Manta), este lugar es conocido por sus hermosas playas que bañan las costas de este hermoso lugar, aquí la mayoría de los habitantes son muy trabajadores y dedicados a las faenas del mar.

En este lugar conocimos a la señora Bella, tiene 52 años de edad, está casada y de esta relación tiene 6 hijos los cuales ya son mayores de edad, algunos están comprometidos pero aun viven en su casa, uno de sus hijos sufre de diabetes al igual que su esposo el cual ya no trabaja por lo mismo.

Ella para ganarse su sustento diario y así con esto sacar adelante a su familia se dedica a la venta de fundas de hielo y helados, los mismos que a veces ella prepara o compra en una fábrica de la localidad, este pequeño negocio lo tiene en su casa desde hace varios años y es con esto se ha ayudado para salir adelante, en la actualidad desde hace tres meses también está preparando almuerzos pero solos los fines de semana, le está yendo muy bien en este negocio y está obteniendo buenas ganancias.

Este crédito es para comprar fundas plásticas, helados y víveres para preparar los alimentos. Es socia fundadora del Banco comunal y le gusta porque los créditos son de gran ayuda.

Ella está repitiendo su crédito en el Banco ya que con el que recibió logro comprar ciertas cosas necesarias para poner el negocio de comida el cual le está dejando buenas ganancias, con lo cual ha mejorado su vida.

Sus sueños son seguir adelante en su negocio y su vida diaria.

Previous Loan Details

The “Jaime Roldos” communal bank meets every 15 days in Jaramijo Canton. This place is famous for the beautiful beaches that bathe its coasts. Most residents here are very hardworking and dedicated to tasks related to the sea. Bella is a founding member of the communal bank and she likes it ... More from Bella Virginia's previous loan »

Additional Information

Concurrent and Successive Loans

Our Field Partners often work with borrowers over a series of loans as the borrowers build credit, take out bigger loans, and expand their businesses. In order to make it easier for our Field Partners to post loans for borrowers who have been listed on Kiva before, we allow them to post successive and concurrent loans for their Kiva borrowers. This means that our Field Partners are able to post a borrower's second, third, etc., loan on Kiva without having to re-enter all of the borrower's information.

This borrower has been listed on Kiva before, so you'll see an updated loan description, as well as excerpts of the original descriptions from earlier loans. Most borrowers take out loans consecutively, meaning that they receive a second loan after having repaid the first. However, sometimes our Field Partners give out concurrent loans, allowing borrowers to take out one primary loan and a secondary "add-on" loan along with it. These "add-on" loans are typically smaller than the borrower's primary loan and serve a different purpose. Because Field Partners can now post loans as successive and concurrent loans, you will be able to track borrower progress over time and see the various ways a borrower is working with our Field Partners through funds from Kiva’s lenders.

About Ecuador

  • $10,600
    Average annual income
  • 106
    View loans »
    Ecuador Loans Fundraising
  • $24,223,100
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $900 helped Bella Virginia to buy plastic bags, ice cream and supplies.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Dec 7, 2011
Dec 16, 2011
Currency Exchange Loss:
May 15, 2012