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Mercedes Stella
The Divino Niño Jesús (Divine Child Jesus) Communal Bank meets every 15 days in Jipijapa canton, which is known by the name "The Sultana of Coffee" due to its extensive cultivation of a coffee with an incomparable flavor. The canton is also known for its gastronomy and for the warmth of its people.

This is where we meet Ms. Mercedes. She is 41 years old and the single mother of two children aged 20 and 14 years old. They are studying in college and high school, respectively, which presents many expenses for our friend. She has been in the Communal Bank for six years and she enjoys it because thanks to the loans, she started her business and has been able to get herself and her children ahead on her own.

She got involved in commerce with the intention of making a living so that she and her children could carry on. She sells all types of clothing, shoes, sheets, towels, and awnings, among other products. She tells us that she sells what she does in order to earn some, and that her children never want for anything. Her manner of sales is door-to-door, although she also sells at her home, where she has two display cases. Her children help her when they are not busy. She works every day, mostly in the mornings. She sells to her customers on credit and bills them every eight days. She goes to buy her merchandise in Guayaquil or Cuenca whenever she needs to. She has been in this business for six years and has gotten ahead thanks to it.

This loan is going to be used to buy more merchandise, such as clothing, sheets, awnings, shoes, and other things.

Her dream is to see to it that her children finish their studies and become successful professionals.
View original language description ↓
EL Banco Divino Niño Jesús se reúne cada quince días en el Cantón Jipijapa, cantón conocido con el nombre de la sultana del café por los extensos cultivos de café el cual tiene un sabor incomparable, por su gastronomía y por la calidez de su gente.

Aquí conocimos a la señora Mercedes, tiene 41 años de edad, es madre soltera de dos hijos de 20 y 14 años de edad, los mismos que estudian en universidad y colegio, los cuales representan muchos gastos para nuestra amiga. Lleva 6 años en el Banco Comunal y le gusta porque gracias a los créditos empezó su negocio y ha podido salir adelante sola con sus hijos.

Ella con la intención de ganarse la vida y con esto poder salir adelante junto con sus hijos se dedica al comercio, vende ropa de todo tipo, zapatos, sabanas, toallas, toldos, entre otros productos, nos cuenta que vende lo que sea con tal de ganar algo y que a sus hijos nunca les falte nada, su forma de venta es puerta a puerta y también vende en su casa donde tiene dos vitrinas, sus hijos le ayudan cuando están desocupados. Trabaja todos los días más que todos en las mañanas, ella deja a crédito a sus clientes y cobra cada 8 días. Su mercadería la va a comprar a Guayaquil o a Cuenca cada vez que necesita. Tiene 6 años que se dedica a esta actividad y gracias a esto ha salido adelante.

Este crédito lo va emplear en comprar más mercadería como: ropa, sábanas, toldos, zapatos entre otras cosas.

Su sueño es ver que sus hijos terminen sus estudios y sean buenos profesionales.

About Ecuador

  • $10,600
    Average annual income
  • 99
    View loans »
    Ecuador Loans Fundraising
  • $24,223,100
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $900 helped Mercedes Stella to buy clothing, sheets, awnings, shoes, etc.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Apr 23, 2012
Listed
May 7, 2012
Currency Exchange Loss:
N/A
Ended:
Sep 15, 2012