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María Sthella
The members of Mejorando el Futuro Communal Bank meet every two weeks in the town of Tierras Amarillas in Rocafuerte Canton. This area is known for agriculture because many of the residents make a living in short-cycle agriculture.

This is where María lives. She's 34 years old and has a common-law relationship from which she has four children, ages 17, 13, 12, and 8. Two of them are in high school and the youngest is in elementary school. Her husband is a farmer.

To get ahead, and with the help of the first loan she received, she stocked a small store in her house. She sells all types of products, such as rice, sugar, oil, detergent, vegetables, and fruit. She works every day from 6 a.m. until 8 p.m., and sometimes later. Her husband occasionally helps her. She has had the business for a year and, despite this short period of time, has a lot of customers because there aren't many stores in the area. She also is dedicating part of the loan to her husband, who grows rice and corn.

She's going to use this loan to stock her store. She's going to buy all types of provisions and certain hardware products that she wants to sell. She has had four cycles with the communal bank and she likes it because of the help they get with loans.

Her dream is to give her children a better education.
View original language description ↓
En una localidad llamada Tierras Amarillas del cantón Rocafuerte cada quince días se reúnen las socias del Banco Comunal Mejorando El Futuro, este sector es conocido por su agricultura ya que gran parte de sus habitantes se dedican a los sembríos de ciclo corto.

En este lugar vive la señora María, tiene 34 años de edad y mantiene una relación de unión libre de la cual tiene cuatro hijos de 17, 13, 12 y 8 años de edad, dos de ellos estudian en colegio y la menor en escuela. El marido es agricultor.

Ella para salir adelante y con ayuda del primer crédito que recibió del banco surtió una pequeña tienda en su casa, allí vende todo tipo de productos como: arroz, azúcar, aceites, detergentes, legumbres, verduras y frutas, trabaja todos los días desde las 6h00 hasta las 20h00 y a veces hasta más tarde. Su esposo le ayuda de vez en cuando, tiene un año con su negocio y a pesar de que no tiene mucho tiempo tiene muchos clientes ya que no hay muchas tiendas por el sector, ella también le da parte del crédito para el esposo el cual siembra arroz y maíz.

Este crédito lo va a emplear en surtir más su tienda, va a comprar todo tipo de víveres y ciertos productos de bazar que quiere vender. Lleva 4 ciclos en el Banco Comunal y le gusta por la ayuda que le dan con los créditos.

Su sueño es darles la mejor educación a sus hijos.

About Ecuador

  • $10,200
    Average annual income
  • 13
    View loans »
    Ecuador Loans Fundraising
  • $22,842,950
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,600 helped María Sthella to buy provisions and hardware products.
100% repaid
Repayment Term
7 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Oct 16, 2012
Listed
Nov 3, 2012
Currency Exchange Loss:
N/A
Ended:
Apr 17, 2013