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Lourdes Monserrate
The Avance Y Desarrollo community bank meets twice a month in Junin, a canton known for its friendly, hard-working people and the excellent liquor that's produced here and famous everywhere in Ecuador.

Our member, Lourdes, is 45 years old. She is married and has 4 children, three of whom are grown. Her youngest child is 16 years old and still in school. Her husband works as a driver. Lourdes is a full-time housewife and operates part-time businesses to help out with family expenses. She sells Yanbal and Esika products--cosmetics, perfumes and other beauty products--three days a week, for two or three hours each day. She sells on credit and collects from her customers every eight days. She also operates a small juice bar in her house where she sells juices and other fruit drinks. She has operated businesses for 12 years and says that she is happy with her progress.

Lourdes will use this loan to buy perfumes, creams, cosmetics, juices, soft drinks and fruit. She has been a member of her community bank for 9 years and serves as the group's treasurer. She likes that the bank can delivery loans quickly.

Her goal is to have a shop of her own.
View original language description ↓
EL Banco Comunal Avance Y Desarrollo se reúne cada quince días en el cantón Junín, este lugar se lo conoce por su gente amable y trabajadora y porque en este lugar se destila el mejor aguardiente en la provincia y en el Ecuador.

En este lugar conocimos a la señora Lourdes, tiene 45 años de edad, está casada y de esta relación tienen 4 hijos, tres de ellos mayores de edad y el menor de 16 años que estudian en colegio, dos de ellos aun viven con ella. Su esposo es chofer.

Ella es un ama de casa que para obtener sus propios recursos y con esto poder ayudar a su esposo en los gastos del hogar se dedica al comercio, vende productos Yanbal y Esika (productos de belleza, cosméticos, perfumería y accesorios para damas). Ella sale a recorrer tres días a la semana de dos a tres horas diarias, también vende en su casa donde tiene un pequeño bar en el cual vende jugos y batidos de fruta, deja sus productos a crédito y cobra cada ocho días. Tiene más de 12 años que se dedica a esta actividad y le va muy bien.

Este crédito es para comprar perfumes, cremas, cosméticos, jugos, sodas y frutas. Lleva 9 años en el Banco Comunal, es la tesorera del grupo y le gusta porque los pagos son fáciles de hacer.

Su sueño es tener un gran local.

About Ecuador

  • $10,200
    Average annual income
  • 38
    View loans »
    Ecuador Loans Fundraising
  • $23,216,275
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $775 helped Lourdes Monserrate to buy merchandise for her retail businesses.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Jan 31, 2012
Listed
Feb 10, 2012
Currency Exchange Loss:
N/A
Ended:
Jun 16, 2012