Update on Dalila EufemiaDalila has been part of the communal bank Loma de la Cruz for several years. She lives in the outskirts of the city of Cuenca, a place that enjoys a cold climate, but its people have very warm hearts. It has various places to enjoy nature. One can also enjoy its culture, its traditions and its gourmet cooking.
Dalila is 59 years old, is married and in her married union conceived 4 children. Three of them are married and live independently. Her single child works and helps her financially. Her husband is retired and now works as a shopkeeper. She doesn't have her own home because she rents.
Dalila sells clothing and other items. This work got her out of debt several years ago. This work allowed her to improve her finances and come out ahead with her whole family.
She invested her previous loan in buying clothing, sheets, comforters, etc. since she already had several orders. Now she is going to invest her new loan in clothing for the Christmas period that is approaching. She had no difficulties in the settlement of her previous loan because she made the payments on the corresponding dates. She likes the communal bank because of the comradeship of the group and the educational talks that they receive at each meeting.
La Señora Dalila tiene 59 años, es casada y en su unión conyugal ha concebido 4 hijos, 3 de ellos son casados y viven independientes, su hijo soltero trabaja y le ayuda económicamente. Su esposo es jubilado y ahora labora como comerciante, no tiene casa propia por lo que vive arrendando.
La Señora. Dalila se dedica a la venta de ropa y otros productos, esta actividad la desempeña hace algunos años, este trabajo le ha permitido mejorar su economía y sacar adelante a toda su familia.
Su crédito anterior lo invirtió comprando ropa, sabanas, edredones, etc. ya que tenia algunos pedidos, ahora su nuevo crédito lo va a invertir en ropa para la época navideña que se acerca, en la cancelación de su crédito anterior no tuvo dificultad por lo que realizo los pagos en las fechas correspondientes. La banca comunal le gusta por el compañerismo del grupo y las charlas de educación que reciben en cada reunión.
Previous Loan DetailsDalila is a member of the community bank Loma de la Cruz, she lives in the Feria Libre sector of the city of Cuenca, city with great natural beauty that in 1999 became part of the World's Cultural Heritage, it's gastronomy captures the palates of locals and foreigners, its people are nice,… More from Dalila Eufemia'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
- 8 months (Additional Information)
- Repayment Schedule
- Oct 24, 2012
- Dec 1, 2012
- Currency Exchange Loss:
- May 17, 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.