Narcisa Del Jesús
Update on Narcisa Del JesúsThe Communal Bank "Progreso Del Mar" meets every 15 days in the beautiful resort of San Mateo in the city of Manta. The city is known for its beautiful beaches that are visited a lot during all times of the year by national and foreign tourists. In this place the majority of the people make a living fishing and in other sea related trades.
Here Nacisa lives, whom is 49 years old. She is married and from this relationship she has three children who are already of older and independent. Her husband is a fisherman.
Several years ago she learned the dress making trade in a local academy. She now has a small sewing shop in her house. She makes all types of clothing but what she likes to make the most is women and girls' clothing. During the back to school season she also makes uniforms. Everything that she makes is by orders that her customers make to her and sometimes certain shops in Manta request that she make garments, especially children's clothing, so that they can sell them in their shops. She has had her shop for ten years and she is almost never lacking work.
She is requesting another loan since the other was very useful for her because she urgently needed money to buy materials to make school uniforms. With this she also obtained good earnings that served her well since her husband had been sick and she could use these earnings for the doctor and medicine. Now he is better and if it had not been for her earnings she would not have covered these expenses. This new loan is to be used to buy fabrics, thread, buttons and other sewing materials. She has been with the communal bank since its beginning and she likes everything about the bank.
Her dream is to be in very good health.
En este lugar vive la señora Narcisa, tiene 49 años de edad, está casada y de esta relación tienen tres hijos los mismos que ya son mayores de edad e independientes. Su esposo se dedica a la pesca.
Ella hace varios años aprendió corte y confección en una academia en la localidad y hoy tiene un pequeño taller de costura en su casa, confecciona todo tipo de ropa pero lo que más le gusta elaborar es ropa de mujer o de niñas, en temporadas de entrada a clases ella también confecciona uniformes, todo lo que elabora es bajo pedidos que le realizan sus clientes y a veces también ciertos bazares de Manta le piden que les elabora prendas más que todo de niños para luego ellos venderlos en sus locales, lleva más de 10 años con su taller y casi nunca le falta el trabajo.
Ella está repitiendo el crédito ya que el otro le fue de mucha utilidad porque necesitaba de urgencia el dinero para comprar los materiales para confeccionar los uniformes, con esto también obtuvo muy buenos ingresos que le sirvieron de mucho ya que su esposo estaba enfermo y ella pudo utilizar estas ganancias para médicos y medicinas, ahora él está mejor y si no hubiese sido por sus ganancias no hubiesen tenido como solventar estos gastos. Este nuevo crédito lo va utilizar en comprar telas, hilos, botones y otros materiales para la costura. Esta desde el inicio en el banco comunal y le gusta todo del banco.
Su sueño es tener muy buena salud.
Previous Loan DetailsThe Communal Bank "Progreso Del Mar" meets every 15 days in the beautiful seaside resort of San Mateo in the city of Manta, known for its beautiful beaches, which are frequently visited in all seasons of the year by national and foreign tourists. In this place, the majority of the residents work... More from Narcisa 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
- Repayment Term
- 6 months (Additional Information)
- Repayment Schedule
- Jul 27, 2012
- Aug 15, 2012
- Currency Exchange Loss:
- Dec 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.