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Carmen Beatriz
Carmen is 35 years old. She is separated from her spouse and lives with her high-school aged son in the city of Santo Domingo of the Santo Domingo de los Tsachilas province. Santo Domingo is connected to the Sierra and Costa del Ecuador regions. The city has become a commercial hub with its many growing sectors evident in the various entrepreneurial families that started small businesses just a few years back and are now creating employment opportunities. Studies reveal that most businesses started organically and have been supported by the passing of tourists, business people, and travelers who move from one region to the other. It is also the third most populous city in the country.

Carmen has been making a living selling cosmetics for the last five years. Her business model is to visit her customers at their respective homes or workplace. The sacrifice of educating her son without the presence of his father has been very hard for her but she has demonstrated courage and strength as she plans to succeed. Despite having only attending grade school she wishes to use her income to complete and improve the structure of her home which was left unfinished. This way she will be able to improve her and her son's quality of life.
View original language description ↓
Carmen tiene 35 años, está separada de su cónyuge y vive en el cantón Santo Domingo de la provincia de Santo Domingo de los Tsachilas con su hijo que cursa la escuela secundaria. Santo Domingo se encuentra conectando la Región Sierra con la Región Costa del Ecuador, es una ciudad que se ha convertido en un eje comercial con varios sectores en crecimiento y como prueba se tiene a varias familias emprendedoras que hace algunos años comenzaron con pequeños negocios y ahora son microempresarios que aportan a la generación de empleo. Los estudios revelan que todos los negocios en su mayoría, empezaron empíricamente y han tenido acogida por el paso de turistas, empresarios y viajeros que se trasladan de una región a otra y además que es la tercera ciudad más habitada en el país.
Carmen se dedica a la venta de cosméticos desde hace 5 años y lo realiza de forma ambulante, visitando a sus clientes en sus respectivos hogares o trabajo. El sacrificio de educar a su hijo sin la presencia de su padre es muy duro para ella pero ha demostrado valentía y esfuerzo por lo que planea salir adelante y a pesar de haber cursado solo la primaria ella desea con sus ingresos mejorar la estructura de su casa y acabar la construcción que quedó sin terminar y así darle a su hijo una mejor calidad de vida y un lugar adecuado donde vivir y salir adelante.

Additional Information

About Fundación Alternativa

Fundación Alternativa encourages entrepreneurship and provides sustainable financial and non-financial services that promote social and economic development in Ecuador. The organization focuses on serving poor and excluded populations through analysis of clients' living conditions and by providing business training and other support services in urban, rural and marginalized parts of the country.

About Ecuador

  • $10,200
    Average annual income
  • 34
    View loans »
    Ecuador Loans Fundraising
  • $23,216,275
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,075 helped Carmen Beatriz to improve the quality of life for her son and herself.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Aug 15, 2012
Listed
Sep 22, 2012
Currency Exchange Loss:
N/A
Ended:
Sep 17, 2013