Update on Lelia OrfeliaThe “María Auxiliadora” communal bank meets every two weeks in La Sequita Parish in Montecristi, a canton known for the famous straw hats that are highly regarded both within the country and abroad.
We met Leila, 72, here. She’s been separated for several years but she had 7 children who are all now independent adults. She’s been in the communal bank since the beginning and likes it because her fellow members are like family to her because they are always there when she needs them.
Several years ago she opened a small pub at home where she sells water, soft-drinks, energy drinks, ice and beer, among other beverages. She’s currently also making turnovers and “corviches” [Dough made from grated plantain, deep fried and stuffed with spicy fish or minced meat, topped with salad, mayo, chili] to sell along with her other products. She takes advantage of the fact that folks interested in playing sports gather in front of her house every day because there are soccer fields and volleyball courts there. She also makes delicious fruit ice-cream and has been in business more than ten years.
She is repeating the loan and will use it to buy soft-drinks, water, juice and other foodstuffs to make her food. She tells us that the loans have made it possible for her go get ahead by herself and that thanks to them whenever she needs something she doesn’t have to go ask anyone for help but can use her profits to cover expenses. She was also able to use her previous loan to sell turnovers and corviches besides beverages which produces additional income that suits her quite well.
Aquí conocimos a la señora Lelia, tiene 72 años de edad, está separada hace varios años pero de esta relación tuvieron 7 hijos los mismos que ya son mayores de edad e independientes. Esta desde el inicio en el Grupo de Crédito y le gusta porque sus compañeras son como su familia ya que siempre están allí cuando las necesita.
Ella hace varios años puso un pequeño bar en su casa en el cual vende aguas, sodas, energizantes, hielo, cervezas, entre otras bebidas, en la actualidad está preparando y vendiendo empanadas y corviches los mismos que vende al igual que sus otros productos, ella aprovecha que frente a su casa se reúnen todos los días personas que llegan a hacer deporte pues allí hay unas canchas de football y de voleibol. También ella prepara deliciosos helados de frutas, lleva más de 10 años en esta actividad.
Ella está repitiendo el crédito y va a utilizar este crédito para comprar sodas, aguas, jugos y otros víveres para preparar los alimentos. Nos cuenta que los créditos le han permitido salir adelante sola y que gracias a ellos cada vez que necesita algo no tiene que pedirle a nadie sino que con lo que le queda de ganancia puede solventar sus gastos, también con el ultimo crédito pudo además de vender bebidas también pudo vender empanadas y corviches con lo cual tiene otros ingresos que le vienen muy bien.
Previous Loan DetailsThe loan group called “María Auxiliadora” meets every two weeks in the “La Squita” parish of Montecristi, a settlement known as the crib of the old wrestler, Eloy Alfaro. It’s also known for its straw hats that are appreciated within and outside the country. Here we meet Lelia. She is 72 years… More from Lelia Orfelia'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
- 7 months (Additional Information)
- Repayment Schedule
- Dec 19, 2011
- Jan 8, 2012
- Currency Exchange Loss:
- Jun 16, 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.