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Naila Josefina
The communal bank "El Pedregal" meets every fifteen days in the El Pedregal community, in the Picoaza parish of the city of Portoviejo. This is a place known for being an active commercial zone, for its traditional festivals of San Pedro and San Pablo, and for the cheerfulness of its people.

In this place lives Naila, who is 32 years old. She has a common-law husband with whom she has three children, aged 11, 10 and 3. The older ones are in school. Her husband is a laborer.

Naila is a housewife, and in order to obtain her own resources and thus help her husband with the household expenses, since he does not earn much from his work, she dedicates herself to selling Avon products (beauty products, cosmetics, perfumes and women's accessories). She works three days a week, from two to three hours a day, either in the morning or the evening, without fixed working hours. She sells her products on credit and collects payments every eight days. She has dedicated herself to this work for three years, and it is going very well for her.

This loan is to buy perfumes, creams, cosmetics and costume jewelry. This is her third loan cycle in the communal bank, and she likes it because the payments are easy to make.

Her dream is to provide the best for her children.
View original language description ↓
El Banco Comunal El Pedregal que se reúne cada quince días en el sitio el Pedregal en la parroquia Picoaza de la ciudad de Portoviejo. Lugar conocido por ser una zona muy comercial, por sus fiestas tradicionales de San Pedro y San Pablo y por la alegría de su gente.

En este lugar vive la señora Naila, tiene 32 años de edad y mantiene una relación de unión libre de la cual tiene tres hijos de 11, 10 y 3 años, los mayores estudian en escuela. El marido es obrero.

Doña Naila es un ama de casa que para obtener sus propios recursos y con esto poder ayudar a su esposo con los gastos del hogar ya que el no gana mucho en su trabajo, ella se dedica a la venta de productos de Avon (productos de belleza, cosméticos, perfumería y accesorios para damas). Trabaja tres días a la semana de dos a tres horas al día ya sea en la mañana o en la tarde sin un horario fijo, deja sus productos a crédito y cobra cada ocho días. Tiene tres años que se dedica a esta actividad y le va muy bien.

Este crédito es para comprar perfumes, cremas, cosméticos y bisutería. Este es el tercer ciclo en el Banco Comunal y le gusta porque los pagos son fáciles de hacer.

Su sueño es darles lo mejor a sus hijos.

About Ecuador

  • $10,200
    Average annual income
  • 40
    View loans »
    Ecuador Loans Fundraising
  • $23,448,500
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,200 helped Naila Josefina to buy perfumes, creams, cosmetics and costume jewelry.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Oct 31, 2012
Listed
Dec 1, 2012
Currency Exchange Loss:
N/A
Ended:
May 17, 2013