Update on Jully KarinaThe “La Rosa de Guadalupe” communal bank meets every two weeks in the city of Charapoto which is very well known for its traditional culture and for being just a few minutes away from two of the best beaches in the province: San Jacinto and San Clemente. Jully, 38, lives here. She’s married and has three children who are 19, 18 and 9 years of age. The two older ones attend university and the youngest is in elementary school. Her husband works for the electric company.
In order to earn a bit on her own and to feel independent, she sells all types of clothes door to door and also at home where her customers come by when they need some article of clothing. She works three days a week on varying schedules. She sells her merchandise on credit and collects bi-weekly. She goes to Guayaquil every two weeks or monthly to buy merchandise as needed. She’s been in business five years and does very well.
She’s repeating her loan with the communal bank because she was able to use the previous one to go to Guayaquil to buy clothes and by being able to pay cash everything was less expensive; she even bought purses and several accessories that she’s also selling now and are producing higher income that she will use to buy merchandise like pants, blouses, t-shirts, purses and women’s accessories.
She’s been in the communal bank for more than two years and is its president; she likes it because of the help she gets from the loans. Her dream is that her children complete their education and become good professionals.
En este lugar vive la señora Jully, tiene 38 años de edad, está casada y de esta relación tienen tres hijos de 19, 18 y 9 años de edad, los dos mayores estudian en universidad y el menor en escuela. Su esposo trabaja en la Empresa Eléctrica.
Ella con la intención de ganar algo por su cuenta y sentirse independiente se dedica a la venta de ropa de todo tipo, su forma de venta es puerta a puerta y también vende en su casa hasta donde llegan sus clientes cuando necesitan de alguna prenda. Trabaja tres días de la semana y en horarios variados, deja a crédito su mercadería y cobra cada quince días. Su mercadería la va a comprar a Guayaquil cada quince días o al mes de acuerdo a lo que necesite. Tiene cinco años que se dedica a esta actividad y le va muy bien.
Ella está repitiendo el crédito con el Banco Comunal ya que con el crédito anterior ella pudo ir a Guayaquil a comprar sus prendas y al comprar de contado todo le salió más barato incluso compro carteras y varios accesorios los cuales también está vendiendo en la actualidad y le está dejando mejores ingresos los cuales los utiliza para los gastos de estudios de sus hijos ya que esto es lo más importante para ella, este crédito lo va emplear en comprar más mercadería como: pantalones, blusas, camisetas, carteras y accesorios de damas. Está en el Banco Comunal desde hace más de dos años, es la presidenta del mismo y le gusta por la ayuda que le dan con los créditos.
Sus sueños es ver que sus hijos terminen sus estudios y sean buenos profesionales.
Previous Loan DetailsThe members of the "La Rosa De Guadalupe" communal bank meet every two weeks in the town of Charapoto. This place is known for its traditional culture and also for being a few minutes from two of the best beaches in the province, San Jacinto and San Clemente. This is where we met Jully. She is... More from Jully Karina'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 31, 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.