Update on Rosa EtelvinaMrs. Rosa is a member of the communal bank LA ESQUINA. She lives in the Miraflores Parish in Cuenca, which has beautiful places to visit and whose people are involved in agriculure, livestock farming and commerce. Many local people work in different businesses in the city of Cuenca.
Rosa, 60, is married and has two adult children, one of whom is married and independent. Her single daughter works and helps out economically. Her husband is a wage-earner and they own the house they live in.
Rosa says she is recovering satisfactorily from an operation she had six months ago and her family is healthy.
She has been running a grocery store for ten years and also raises and sells chickens. Her independent work allows her to spend time at home taking care of the family, and also provides an income for the household.
She used the previous loan to buy products for her store and chickens. She fell behind on some of the loan payments due to the operation, but she was able to catch up and paid it off on time. She plans to use the new loan to buy chickens and more essential goods for the store since business is going very well. She likes the communal bank because of the fellowship and attention she receives from her loan counselor.
Her goal is to grow and expand her store.
Doña Rosa tiene 60 años, es casada y en su unión conyugal ha concebido 2 hijos quienes son mayores de edad, uno es casado e independiente y su hija soltera trabaja y le ayuda económicamente. Su esposo labora como jornalero, la casa en la que habita es de su propiedad.
Doña Rosa nos comenta que se encuentra recuperándose satisfactoriamente de una operación que se ha realizado hace 6 meses, su familia se encuentra muy bien en la salud.
Ella se dedica a la atención de una tienda de abarrotes, actividad que la desempeña hace 10 años y también se dedica a la cría y venta de pollos, ha escogido este trabajo porque le permite pasar en casa al cuidado de su familia, es un trabajo independiente y puede aportar a la economía de su hogar.
El dinero de su crédito anterior lo ha invertido en la compra de productos para su tienda y en pollos, en el pago de su crédito se atrasado un poco debido a su operación pero ya se igualo y realizo la cancelación total a la fecha. Con este nuevo crédito va comprar pollos y más productos de primera necesidad para su tienda ya que le está yendo muy bien en sus negocios. La banca comunal le gusta por el compañerismo que comparte con todas las socias y la atención que reciben de parte del promotor de crédito.
Su meta es crecer y agrandar su tienda.
Previous Loan DetailsSeñora Rosa is a member of the communal bank La Esquina. She lives in the parish of Miraflores. This parish has some beautiful spots where you can observe nature, a great variety of local dishes as well as friendly and kind people who maintain their culture and traditions. Doña Rosa is 60 years… More from Rosa Etelvina'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
- 8 months (Additional Information)
- Repayment Schedule
- Feb 29, 2012
- Mar 24, 2012
- Currency Exchange Loss:
- Sep 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.