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Ricsy Monserrate
The communal bank Soraya meets every two weeks in Montecristi, known for its rich pre-colonial culture and its handicrafts which are recognized nationally and internationally; a place known for its famous Panama hats. Ricsy lives here. She is 35 years old and is in a common-law relationship which she has two children ages 14 and 11 who attend school. Her husband is abroad.

Ricsy is a hardworking woman who likes to earn her own income so that she doesn’t need to depend on anyone. She has an establishment where she provides telephone service booths and sells telephone cards as well she has a shop window where she sells all kinds of clothing even though twice a week she sells door to door. She works every day from 8am to 10pm; her merchandise is purchased on credit and paid for every two weeks. She buys the clothes in Guayaquil whenever she needs it. She has been doing this for 6 years and is doing very well.

This loan is to buy pants, shirts, blouses and phone cards. She is a founding member of the communal bank and she likes it because the loans help her a lot.

Her goal is to have a bar or a nightclub.
View original language description ↓
EL Banco Comunal Soraya se reúne cada quince días en el Cantón Montecristi , conocido por su rica cultura pre colonial y por su artesanía que es reconocida a nivel nacional e internacional. Lugar de los famosos sombreros de paja toquilla.

En este lugar vive la señora Ricsy, tiene 35 años de edad, mantiene una relación de unión libre de la cual tiene dos hijos de 14 y 11 años que estudian en colegio y escuela. Su marido está en el extranjero.

La señora Ricsy es una mujer muy trabajadora que el gusta ganar sus propios recursos para no depender de nadie, ella tiene un local en el cual presta el servicio de cabinas telefónicas y allí mismo vende tarjetas y recargas telefónicas, también tiene unas vitrinas en las cuales vende ropa de todo tipo, aunque dos días por semana sale a recorrer puerta a puerta. Trabaja todos los días desde las 8h00 hasta las 22h00, deja su mercadería a crédito y cobra cada quince días, la ropa va a comprar a Guayaquil cada vez que necesita, son 6 años que se dedica a estas actividades y le va muy bien.

Este crédito es para comprar pantalones, camisetas, blusas, tarjetas y recargas telefónicas. Es socia fundadora del Banco comunal y le gusta porque los créditos le ayudan mucho.

Su meta es tener un bar o una discoteca.

About Ecuador

  • $10,200
    Average annual income
  • 36
    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 $1,300 helped Ricsy Monserrate to buy pants, shirts, blouses and telephone cards.
100% repaid
Repayment Term
7 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Nov 14, 2012
Listed
Dec 1, 2012
Currency Exchange Loss:
N/A
Ended:
May 17, 2013