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Yojana Monserrate
The communal bank Balzar meets every fifteen days in the parish of San Placido in the Portoviejo Canton. This is a place known for its kind, hard-working people, most of whom work in the country.

This is where we met Yojana, 34, who is married and has two children, ages six and two, the oldest of which is in school. Her husband is a driver.

She is a homemaker who earns her own income to help her husband cover household expenses. She sells clothing by catalogue and Avon and Yanbal (beauty products, cosmetics, perfume and women's accessories). She works three days a week in this activity and at home every day on her small farm where she raises chickens. She sells her products on credit and collects payment every eight days. For five years she has been in business and it is going well for her.

This loan will be used to buy perfumes, creams, cosmetics, clothing and chicken feed. She has been a member of the communal bank for three years and she enjoys it because the payments are easy to make.

Her goal is to give her young children the best she can.
View original language description ↓
EL Banco Comunal Balzar se reúne cada quince días en la parroquia San Placido del cantón Portoviejo, este lugar se lo conoce por su gente amable y trabajadora en su gran mayoría dedicada a las faenas del campo.

En este lugar vive la señora Yojana, tiene 34 años de edad, está casada y de esta relación tienen dos hijos de 6 y 2 años de edad, el mayor estudian en escuela. Su esposo es chofer.

Ella es una ama de casa que para obtener sus propios recursos y con esto poder ayudar a su esposo con los gastos del hogar se dedica a la venta de ropa por catalogo y productos de Avon y Yanbal (productos de belleza, cosméticos, perfumería y accesorios para damas). Trabaja tres días a la semana en esta actividad y en su casa todos los días ya que allí tiene una pequeña granja en la cual cría pollos, deja sus productos a crédito y cobra cada ocho días. Tiene cinco años que se dedica a esta actividad y le va muy bien.

Este crédito es para comprar perfumes, cremas, cosméticos, ropa y alimentos para los pollos. Lleva tres años en el Banco Comunal y le gusta porque los pagos son fáciles de hacer.

Su sueño es darles lo mejor a sus pequeños hijos.

About Ecuador

  • $10,200
    Average annual income
  • 12
    View loans »
    Ecuador Loans Fundraising
  • $22,545,250
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,500 helped Yojana Monserrate to buy perfumes, creams, cosmetics, clothing and chicken feed.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Aug 23, 2012
Listed
Sep 13, 2012
Currency Exchange Loss:
N/A
Ended:
Jan 15, 2013