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Heroina Monserrate
The Santa Marianita Communal Bank meets every 15 days in the Santa Marianita neighbourhood of the city of Manta. Manta is known for its beautiful beaches, which are visited frequently by local and international tourists in every season. Manta is one of the most important ports in the country and in South America, located on the shores of the Pacific ocean.
Here we meet Señora Heroína. She is 54, married, and has three grown and independent children. Her husband is a ship's captain.
Heroína is a housewife. In order to make her own income and to be able to cover her expenses without depending on anyone, she sells clothing through a catalogue as well as Yanbal and Lebel products (beauty products, cosmetics, perfume and women's accessories). She works two to three hours a day, three days a week. She sells her products at home; her customers come in when she has new merchandise. She offers her products on credit and charges every eight days. She has done this work for over twelve years and it is going very well for her. Heroína tells us that her most popular products are the perfumes and cosmetics; she says they are very good products.
This loan is for the purchase of perfume, cream, cosmetics, and clothing of all kinds through a catalogue. This is her sixth loan cycle in the communal bank, and she likes it because it is easy to make the payments.
Her dream is to have a boutique.
View original language description ↓
En el barrio Santa Marianita de la ciudad de Manta cada 15 días se reúne el Banco Comunal Santa Marianita, ciudad conocido por sus hermosas playas que son muy visitadas en toda época del año por turistas nacionales y extranjeros, es uno de los puertos más importantes del país y de América situado a orillas del Pacifico.

En este lugar conocimos a la señora Heroína, tiene 54 años de edad, está casada y de esta relación tienen tres hijos todos mayores de edad e independientes. Su esposo es capitán de un barco.

Ella es una ama de casa que para obtener sus propios recursos y con esto tener para sus gastos sin depender de nadie se dedica a la venta de ropa por catalogo y productos de Yanbal, Lebel (productos de belleza, cosméticos, perfumería y accesorios para damas). Trabaja tres días a la semana de dos a tres horas diarias, vende también en su casa hasta donde llegan sus clientes cuando le llega mercadería nueva, ella 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, nos cuenta que lo que más vende son los perfumes y cosméticos ya que según dice son muy buenos.

Este crédito es para comprar perfumes, cremas, cosméticos y ropa por catalogo de todo tipo. Este es el sexto ciclo en el Banco Comunal y le gusta porque los pagos son fáciles de hacer.

Su sueño es tener una boutique.

About Ecuador

  • $10,200
    Average annual income
  • 19
    View loans »
    Ecuador Loans Fundraising
  • $22,583,300
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,000 helped Heroina Monserrate to buy perfume, cream, cosmetics, and clothing.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Apr 19, 2012
Listed
May 4, 2012
Currency Exchange Loss:
N/A
Ended:
Sep 15, 2012