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María Consuelo
The communal bank "El Pedregal" meets every 15 days in the site of El Pedregal in Picoaza parish in the city of Portoviejo. This place is known for being a very commercial area, for its traditional San Pedro and San Pablo festivities, and for the happiness of its people.

Maria lives in this place. She is 30 years old, and is in a common-law marriage that has produced 3 children, aged 14, 12 and 5. The oldest two children are in secondary school, and the youngest attends elementary school. Maria's husband is a gardener.

In order to earn something on her own, and thereby help her husband with the household expenses, Maria works in retail. She sells all types of clothing, perfumes and accessories. She sells door-to-door 3 days a week, and she also sells from her home where she has some glass display cases to exhibit her merchandise. Maria sells on credit, and collects every 8 days. She goes to Guayaquil to buy her merchandise, and also occasionally to Huaquillas and Colombia. She's had this business for 8 years, and she has a lot of customers who always buy from her, because she carries top quality merchandise.

She will use this loan to purchase more merchandise, such as: pants, blouses, T-shirts, perfumes and accessories. She's been in her communal bank for 3 years, and she likes it because with the loans she can buy merchandise more cheaply, which increases her profits.

Maria's dream is to have a boutique.
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 María, tiene 30 años de edad y mantiene una relación de unión libre de la cual tiene tres hijos de 14, 12 y 5 años de edad, los dos mayores estudian en colegio y el menor en escuela. El marido es jardinero.

Doña María 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, perfumes y bisutería, su forma de venta es puerta a puerta ya que ella sale tres días de la semana y también vende en su casa donde tiene unas vitrinas para exhibir su mercadería, ella deja a crédito y cobra cada 8 días. Su mercadería la va a comprar a Guayaquil y en varias ocasiones a Huaquillas y Colombia. Tiene 8 años que se dedica a esta actividad y tiene mucha clientela que siempre le compran ya que lleva mercadería de primera.

Este crédito lo va emplear en comprar más mercadería como: pantalones, blusas, camisetas, perfumes y bisutería. Está en el Banco Comunal desde hace 3 años y le gusta porque con los créditos puede comprar más barato lo cual le deja mejores ganancias.

Su sueño es tener una boutique.

About Ecuador

  • $10,600
    Average annual income
  • 54
    View loans »
    Ecuador Loans Fundraising
  • $24,295,300
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,625 helped María Consuelo to buy pants, blouses, T-shirts, perfumes and accessories.
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