Update on Maryuri MaribelIn the city of Manta’s Umiña neighborhood, the Banco Comunal Umiña meets every 15 day. Manta is known for its beautiful beaches and excellent restaurants, and is one of the most important Pacific ports in Ecuador and, indeed, in all of South America.
Maryuri, 36 years old, is a resident of Umiña. She is married and has three children, two young children aged ten and eight and a baby of six months. The two older children go to school. Her husband works in a factory in Manta.
To help support her family, she runs a store in their home in which she sells all sorts of products, including rice, sugar, cooking oil, detergent, grains, fruits, and vegetables, and also offers a service to put more money on people's cell phone for a little extra income. She works every day from 6 a.m. to 8 p.m. or even later. Her children and husband help her when they can and do not have other obligations. She likes her work because it brings in an income and allows her to look after her children's needs at all time, since she doesn't have to leave the house. She's had her store for five years and it's going very well.
She is requesting another loan. Her store is successful because she has a solid customer base that comes to her store to shop every day. She has started selling ice cream for an Ecuadorean company, which gave her a freezer and products to sell. This new addition to the shop is bringing in more profits. She will use this loan to stock her store, buying rice, sugar, cooking oil, detergent, ice cream, and other staple goods. She has been a member of the Banco Comunal for five years, and she likes it because the first loan she received helped her start her business.
Her goals are to build a successful business and expand her store every day.
En este lugar vive la señora Maryuri, tiene 36 años de edad, está casada y de esta relación tienen tres hijos de 10, 8 años y un bebé de seis meses, los dos mayores estudian en escuela. Su esposo trabaja en una fábrica en Manta.
Ella para salir adelante junto a su familia tiene una tienda en su casa, allí vende todo tipo de productos como arroz, azúcar, aceites, detergentes, legumbres, verduras y frutas, también realiza recargas telefónicas, con lo cual se gana algo extra, trabaja todos los días desde las 6h00 hasta las 20h00 y a veces hasta más tarde, sus hijos y su esposo le ayudan en su trabajo cuando ellos pueden y están desocupados. A ella le gusta su trabajo ya que así se gana algo y siempre está atenta a las necesidades de sus hijos ya que no tiene que salir de su casa. Tiene 5 años que se dedica a esta actividad y le va muy bien.
Está repitiendo el crédito, su tienda se ha mantenido ya que cuenta con muy buena clientela que a diario le compran en su local, ahora también está vendiendo helados de una marca nacional para lo cual le dieron un congelador y productos y con esto ella está obteniendo mejores ingresos. Este crédito lo va a emplear en surtir mas su tienda, va a comprar arroz, azúcar, aceite, detergentes, helados y otros productos de primera necesidad. Está en el Banco Comunal hace 5 años y le gusta porque con el primer crédito que recibió empezó su negocio.
Sus metas son seguir adelante en su negocio y que su tienda crezca cada día más.
Previous Loan DetailsIn the city of Manta’s Umiña neighborhood the Umiña communal bank meets every fifteen days; it’s a city known for its beautiful beaches, its cuisine and for being one of the country’s and America’s most important ports located on the shores of the Pacific. We met Maryuri, 36, in this place. ... More from Maryuri Maribel'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
- Aug 24, 2012
- Oct 1, 2012
- Currency Exchange Loss:
- Jan 15, 2013
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.