Update on Ana IsabelThe “Con Amor Y Fe Hacia el Desarrollo” (“With Love and Faith Towards Development”) communal bank meets every two weeks in Los Bajos in the city of Montecristi, a city known for its cultural riches and for its artisan work such as the Panama hat, known both throughout the country and outside of it.
In this place we meet Ana, 45 years old. She is married, and from this relationship she has two children, 22 and 23 years old. Both of them live with her. Her husband is a driver. Our friend has been an artisan for several years. She went to a sewing and dressmaking academy, where she learned this profession very well.
She has a small dressmaking shop in her house, where she has sewn clothes for many years. She works based on orders from particular people who need her services. She also sells all kinds of clothing, which she does door-to-door, although most of her sales take place in her own shop. She works every day from 6:00am until 10:00pm, and sometimes later when she has orders to deliver. She has been doing this work for more than 10 years, and it’s going pretty well for her.
She is taking out another loan with the goal of moving forward in her business, since with the loans she finances herself and continues moving forward. She tells us that the previous loan went very well for her and she obtained very good earnings, and she had no delays in making the repayments.
She is taking out this new loan in order to purchase clothing of all kinds to sell this month, which is a very good one. For her, the loans are so important, since through them she has improved her business and her family’s life. She has been a member of the communal bank from the beginning, and she likes it because the institution is very serious and reliable.
Her dreams are to continue moving forward in her daily life and to improve with the passing of time.
En este lugar conocimos a la señora Ana, tiene 45 años de edad, está casada y de esta relación tienen dos hijos de 23 y 22 años de edad, ambos aun vive con ella. Su esposo es chofer. Nuestra amiga es artesana hace varios años, estuvo en una academia de corte y confección en la cual aprendió muy bien esta profesión.
Ella tiene un pequeño taller de costura en su casa lugar donde desde hace muchos años se dedica a coser ropa, trabaja a base de pedidos de personas particulares que requieren de sus servicios, además también vende ropa de todo tipo la cual lo realiza puerta a puerta aunque le mayor parte de sus ventas las realiza en su propio taller. Trabaja todos los días desde las 6h00 hasta las 22h00 y a veces hasta más tarde cuando tiene pedidos que entregar. Lleva más de 10 años dedicada a estas actividades y le va bastante bien.
Ella está repitiendo el crédito con la finalidad de seguir adelante en su negocio ya que con los créditos se financia y continua adelante, nos cuenta que le fue muy bien con el crédito anterior y que obtuvo muy buenas ganancias, con lo cual no tuvo atrasos en los pagos.
Ella realiza este nuevo crédito para comprar ropa de todo tipo para vender esta mercadería en este mes que es muy bueno. Para ella los créditos son tan importantes ya que a través de ellos ha mejorado su negocio y su vida en familia. Esta desde el inicio en el banco comunal y le gusta porque la institución es muy seria y confiable.
Sus sueños son seguir adelante en su vida diaria y mejorar con el paso de los días.
Previous Loan DetailsThe Communal Bank “Con Amor Y Fe Hacia el Desarrollo” (Toward Development with Love and Faith) meets every 15 days in Los Bajos de Montecristi, a city known for its rich culture and its handicrafts. For example, its straw hats are known within and outside of the country.
It is in this plac... More from Ana Isabel's previous loan »
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.
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Success!! The loan was 100% repaid
- Repayment Term
- 6 months (Additional Information)
- Repayment Schedule
- Dec 20, 2011
- Dec 31, 2011
- Currency Exchange Loss:
- May 15, 2012
Photo from previous loan
Kiva allows our Field Partners to re-use the same photo for individual borrowers that have been posted on Kiva's website once before in a 24 month period, and we allow them to re-use group photos for up to 24 months, provided that 80% of the current group's membership is represented.
Taking, collecting, and uploading photos of borrowers is one of the most challenging elements of using Kiva for our Field Partners. In order to make Kiva easier for Field Partners to use, we have allowed them to post successive and concurrent loans without taking a new photo of the borrower if the criteria above are met.