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Johana Elizabeth
The Communal Bank Virgen Del Mar (Virgin of the Sea) meets every fortnight in the beautiful resort of San Mateo in the city of Manta, a place famous for its gorgeous beaches visited all over the year by national and international tourists. Most of the residents in this area fish and do chores related to the sea.

Johanna lives here, she is 31 years old, she is married and she has three children aged 10, 7 and 3. He first two children go to school, and her husband is a driver and a retailer.

In order to earn some money of her own and to help her husband paying for their household expenses she engages in selling every kind of clothes, selling them door to door. Her husband sells fishing equipment to retailers of the community or directly to fishermen of the area. Both she and her husband work every day: he transports and sells fishing equipment, and she sells clothes. She sells on credit and collects from her customers during the week-ends. She has been engaged in this activity for more than three years and things are going very well.

The loan she is requesting will be used to buy more products such as trousers, blouses, T-shirts and fishing equipment. She has been a member of her Communal Bank for 3 years and she likes it because the loans are a great help both for her activity and for her personal life.

She dreams of owing a vehicle and to use it to sell her products.
View original language description ↓
El Banco Comunal Virgen Del Mar se reúne cada 15 días en el hermoso balneario de San Mateo en la ciudad de Manta, conocido por sus hermosas playas que son muy visitadas en toda época del año por turistas nacionales y extranjeros, en este lugar la mayoría de los habitantes se dedica a la pesca y a las faenas del mar.

En este lugar vive la señora Johanna, tiene 31 años de edad, está casada y de esta relación tienen tres hijos de 10, 7 y 3 años de edad, los mayores estudian en escuela. Su esposo chofer y comerciante.

Ella para ganar algo por su cuenta y con esto ayudar a su esposo con los gastos del hogar se dedica a la venta de ropa de todo tipo, su forma de venta es puerta a puerta. También su esposo vende materiales de pesca a comerciantes del lugar o directamente a pescadores de la zona. Tanto ella como su esposo trabajan todos los días, él con su transporte y venta de materiales de pesca y ella con la venta de ropa, ella deja a crédito a sus clientes y cobra los fines de semana. Lleva más de tres años en esta actividad y le va muy bien.

Este crédito lo va emplear en comprar más mercadería como: pantalones, blusas, camisetas y materiales para la pesca. Está en el Banco Comunal desde hace 3 años y le gusta porque los créditos le ayudan mucho para su negocio y su vida personal.

Su sueño es tener un carro para realizar sus ventas.


About Ecuador

  • $10,600
    Average annual income
  • 51
    View loans »
    Ecuador Loans Fundraising
  • $24,303,300
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,700 helped Johana Elizabeth to buy trousers, blouses, T-shirts and fishing equipment.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Jul 24, 2012
Listed
Aug 15, 2012
Currency Exchange Loss:
N/A
Ended:
Dec 15, 2012