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Nelly Del Carmen
Caminantes de Cristo (Travelers in Christ) is a Communal Bank that meets every fortnight in the outskirts of Portoviejo in a sector known as Las Piedras. This place is known because it’s near a rock quarry, hence its name.

This is where Nelly Del Carmen lives. She is 45 years old, she is married and she has three adult children who are attending university and who still live at home. Her husband is a mason.

In order to support her children’s education costs and to help her husband paying for their household expenses, Nelly engages in selling Yanbal products (beauty products, cosmetics, perfumes and accessories for ladies). On top of this, she works as a maid in a house from 6.30 am, while in the evenings she sells her beauty products traveling around the community where she lives. She sells on credit and collects from her customers every weekend; she has been engaged in this activity for more than 11 years and things have been going very well.

She will use the loan she is requesting to buy perfumes, costume jewelry, cosmetics and creams. She is a founding member of her Communal Bank and she likes it because of the help she has received from the institution.

She hopes that her children will become professionals.
View original language description ↓
El Banco Comunal Caminantes de Cristo se reúne cada quince días en las afueras de Portoviejo un el sector conocido como Las Piedras porque está muy cerca de unas canteras de roca.

En este lugar vive la señora Nelly Del Carmen, tiene 45 años, está casada y de esta relación tiene tres hijos todos mayores de edad, dos de ellos estudian en universidad y aun viven en su casa. Su esposo es albañil.

Doña Nelly Del Carmen para ayudar a sus hijos en sus estudios y a su esposo con los gastos del hogar se dedica al comercio, vende productos de Yanbal (productos de belleza, perfumería y accesorios). También trabaja desde las 6h30 en una casa como empleada domestica pero en las tardes se dedica a recorrer con sus productos por toda la localidad donde vive, ella deja a crédito y cobra cada fin de semana, lleva más de 11 años dedicada a esta actividad y le ha ido muy bien.

Este crédito lo va a emplear en comprar perfumes, bisutería, cosméticos y cremas. Es socia fundadora del Banco Comunal y le gusta por la ayuda que ha recibido de la institución.

Su sueño es que sus hijos sean profesionales.

About Ecuador

  • $10,200
    Average annual income
  • 15
    View loans »
    Ecuador Loans Fundraising
  • $22,541,325
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $975 helped Nelly Del Carmen to buy perfumes, costume jewelry, cosmetics and creams.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Nov 14, 2012
Listed
Dec 1, 2012
Currency Exchange Loss:
N/A
Ended:
Jun 17, 2013