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María Monserrate
The “Renacer” (Reborn) communal bank meets every two weeks in the residential community of El Florón in the city of Portoviejo, the capital of Manabí. It has been known as the City of the Royal Tamarinds for many years.

This is where 19 year old María lives. She is single and lives in her parents’ house. She is studying cosmetology in a university in Portoviejo. In addition to being a very good student in order to obtain her own resources and help with her educational expenses, she does beauty and personal grooming jobs to take advantage of what she is studying. She does a diversity of jobs like hair coloring, make-up, and manicures, etc.

She works every day when her customers require her services. She also does jobs in her house and at the customer’s house. She has been doing this business activity for four years. It is going very well for her even though she does not have an established place and the equipment that she needs.

She will use this loan to buy hair coloring, make-up, scissors, brushes, and creams, etc. These items are useful in her work. This is her third cycle in the communal bank. She likes it for the ease of getting the loans.

Her dreams are to one day have a Spa and to finish her studies soon.
View original language description ↓
En la ciudadela El Florón 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 Renacer.

En este lugar vive la señorita María, tiene 19 años de edad, está soltera y vive en la casa de los padres.

Ella estudia cosmetología en una Universidad de Portoviejo, además de ser una muy buena estudiante para obtener sus propios recursos y con esto ayudarse con los gastos de sus estudios, realiza trabajos de belleza y arreglo personal y así saca provecho de lo que está estudiando, realiza diversidad de trabajos, como tinturados, maquillajes, pintado de uñas, etc. Trabaja todos los días cuando sus clientes requieren de sus servicios, ella también realiza trabajos en su casa y a domicilio. Lleva más de 4 años dedicada a esta actividad y le va muy bien a pesar de que aun no cuenta con un local establecido las herramientas necesarias.

Este crédito lo va a emplear para comprar tintes, maquillajes, tijeras, cepillos, cremas, etc. útiles para su trabajo. Este es su tercer ciclo en el Banco Comunal y le gusta por la facilidad para conseguir los créditos.

Sus sueños son algún dia tener un SPA y por lo pronto terminar sus estudios.

About Ecuador

  • $10,200
    Average annual income
  • 81
    View loans »
    Ecuador Loans Fundraising
  • $23,931,225
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,100 helped María Monserrate to buy hair coloring, make-up, scissors, brushes, and creams, etc.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Dec 15, 2011
Listed
Dec 24, 2011
Currency Exchange Loss:
N/A
Ended:
May 15, 2012