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Martha Johana
The communal bank “15 de Diciembre” meets every fifteen days in the seaside resort town of San Clemente in Portoviejo. This place is known for its beautiful beaches that are visited by many national and foreign tourists. It offers a diversity of beautiful places and a rich variety of traditional dishes from the region.

Martha lives in this place. She is 32 years old and lives in a common-law marriage from which she has two children, ages 11 and 8, who attend school. Her husband makes a living fishing.

With the intention of earning something on her own and with this being able to help her husband with the household expenses, she dedicates herself to business selling all kinds of clothing. Her method of sales is door-to-door and she also sells in her house where her most well-known clients come. She also works from a base of orders that her customers make in advance. She gives them easy payment plans as she puts her customers on credit and collects every fifteen days. She goes to buy her merchandise in Guayaquil each time she needs it. She has dedicated more than a year to this activity and it is going very well for her.

She is going to use this loan to buy more merchandise such as pants, blouses, t-shirts and children’s clothing. She has been in the communal bank for two loan cycles and she likes the help that the loans represent for her business.

Her dream is to give her children the very best.
View original language description ↓
En el balneario de San Clemente en Portoviejo cada quince días se reúne el Banco Comunal 15 de Diciembre. Este lugar es conocido por sus hermosas playas que son visitadas por muchos turistas nacionales y extranjeros, ofrece diversidad de lugares hermosos y una rica variedad de platos típicos de la región.

En este lugar vive la señora Martha, tiene 32 años de edad, mantiene una relación de unión libre de la cual tienen dos hijos de 11 y 8 años que estudian en escuela. Su esposo es se dedica a la pesca.

Ella con la intención de ganar algo por su cuenta y con esto poder ayudar a su esposo con los gastos del hogar se dedica al comercio, vende ropa de todo tipo, su forma de ventas es puerta a puerta y también vende en su casa hasta donde llegan sus clientes más conocidos, ella también trabaja base de pedidos que sus clientes le realizan con anticipación, les da facilidades de pago pues deja a crédito a sus clientes y cobra cada quince días. Su mercadería la va a comprar a Guayaquil cada vez que necesita. Tiene más de un año que se dedica a esta actividad y le va muy bien.

Este crédito lo va emplear en comprar más mercadería como: pantalones, blusas, camisetas y ropa de niños. Está en el Banco Comunal desde hace dos ciclos y le gusta por la ayuda que representan los créditos para su negocio.

Su sueño es darles lo mejor a sus hijos


About Ecuador

  • $10,200
    Average annual income
  • 99
    View loans »
    Ecuador Loans Fundraising
  • $23,946,025
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $675 helped Martha Johana to buy pants, blouses, t-shirts and children’s clothing.
100% repaid
Repayment Term
9 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Oct 4, 2012
Listed
Nov 4, 2012
Currency Exchange Loss:
N/A
Ended:
Jun 17, 2013