Mariana Del Jesús
Update on Mariana Del JesúsIn the municipal fortress of the city of Portoviejo, the capital of Manabí, (known for many years as "The City of the Royal Tamarind Trees"), the members of the New Star Community Bank for Development meet every two weeks. Here we meet Señora Mariana. She is 55 years old, and a single mother of three children; two of them are grown and the third is an 18 year old girl who studies at the university. All her children still live at home. Several years ago she took tailoring classes in a local academy.
In order to help her children get ahead, she started a small sewing shop in her home nine years ago, where she works sewing all kinds of clothes. She works from specific orders placed by individuals who come to her shop to have their clothes made. She tells us that what she makes most is sleepwear. She works based on orders from individuals and also delivers the garments she makes to bazaars. She works every day from 6 a.m. to 10 p.m., and sometimes even later when she has orders to deliver. She has worked in this profession for more than 15 years.
She told us that with her last loan everything went smoothly and that it turned out well. She was current on all her payments and there were no complications. She is repeating the loan because all of the loans that she has received from the bank have helped her greatly with her business and with her personal life. Since she has the responsibility to cover the costs of her home and for her children, the loan helped her to improve her business and with the profits she was able to cover certain costs associated with her daughter studying to the university. This new loan will be used to buy fabric, thread, buttons and other materials for sewing.
She is a founding member of the communal bank and the president; she likes the group because it is very united and responsible. Her dreams are to continue moving forward with her sewing shop and that her daughter will be a great professional.
Aquí conocimos a la señora Mariana, tiene 55 años de edad y es madre soltera de tres hijos, dos de ellos ya mayores de edad y la menor de 18 años que estudia en la universidad, todos sus hijos aun viven en su casa. Hace varios años aprendió corte y confección en una academia de la localidad.
Ella para sacar adelante a sus hijos hace nueve años puso un pequeño taller de costura en su casa, donde se dedica a confeccionar todo tipo de ropa, trabaja a base de pedidos de personas particulares que llegan hasta su local para que les confeccione sus prendas, lo que más confecciona es ropa de dormir, también elabora sus prendas y entrega a ciertos bazares para ser comercializados. Trabaja todos los días desde las 6h00 hasta las 22h00 y a veces hasta más tarde cuando tiene pedidos que entregar, lleva más de 15 años dedicada a esta profesión.
Nos cuenta que en el crédito anterior todo marcho con mucha normalidad y que le fue muy bien, en cuánto a los pagos estuvo al día en todos los pagos y no tuvo ninguna complicación.
Está repitiendo el crédito ya que todos los créditos que ha recibido del banco le han ayudado mucho en su negocio y en su vida personal ya que sola ella tiene que solventar los gastos que generan sus hijos y su hogar, el crédito le sirvió para mejorar su negocio y con las ganancias que tuvo pudo cubrir ciertos gastos que generaron los estudios de su hija en la universidad, este nuevo crédito es para comprar telas, hilos, botones y otros materiales para la costura. Ella es socia fundadora del Banco Comunal, es la presidenta y le gusta porque el grupo es muy unido y responsable.
Sus sueños son seguir adelante en su taller de costura y que su hija sea una gran profesional.
Previous Loan DetailsIn the municipal fortress of the city of Portoviejo, the capital of Manabí, (known for many years as "The City of the Royal Tamarind Trees"), the members of the New Star Community Bank for Development meet every two weeks. Here we meet Señora Mariana. She is 55 years old, and a single mother of… More from Mariana Del Jesús'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