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Yina Esperanza
In the citadel of La California de Portoviejo, capital of Manabí, well known for several years as the city of the reales tamarindos, every fifteen days the members of the Communal Bank, The New California, meets.

Mrs. Yina lives in this area and has a common law marriage of which she has three children of 21, 19 and 15 years of age. All of her children are in school, the two oldest are in University, the youngest is in high school and are a great expense for the couple. Mrs. Yina’s husband works at a lathe workshop.

Mrs. Yina is in business, at the beginning she only sold clothing but later with the help of some loans she increased her merchandize and now also sells shoes, purses, and costume jewelry. Her earnings have increased a great deal; she sells her items door to door and goes on her free time to visit her customers, takes their orders and during the weekends collects since she leaves items on credit which allows her to sell more since she gives ease of payments to her customers who in turn buy more. She has more than six years with her business; her merchandize is bought in Guayaquil, city that she travels to every end of the month since she gets greater product variety and design.

The loan will be used to go to Guayaquil to buy clothing, shoes, purses and everything that she sells since the Christmas season is approaching and this is when she sells the most. She has been with the Communal Bank since its inception and is grateful for the opportunity granted as well for the additional benefits that she receives.

Mrs. Yina’s dream is to have a place of her own to sell her products.

View original language description ↓
En la ciudadela La California de Portoviejo, capital de Manabí conocida desde hace muchos años como la ciudad de los reales tamarindos, se reúnen cada quince días las socias del Banco Comunal La Nueva California.

En este lugar vive la señora Yina, mantiene una relación de unión libre de la cual tuvo tres hijos de 21, 19 y 15 años de edad, todos sus hijos estudian los dos mayores en Universidad y el menor en colegio lo cual representan un gasto muy grande para ellos. Su marido trabaja en un taller de torno.

Doña Yina se dedica al comercio, en un principio solo vendía ropa, pero después y con la ayuda de los créditos fue aumentando su mercadería y ahora también vende zapatos, carteras y bisutería con lo cual sus ganancias han aumentado mucho mas, su forma de venta es puerta a puerta, ella sale en sus ratos libres a visitar a sus clientes, toma los pedidos y luego los fines de semana cobra lo que ha entregado ya que deja a crédito lo cual le permite vender mucho mas ya que dándoles facilidades de pago sus clientes le compran mas, lleva más de seis años con su negocio, su mercadería la compra en Guayaquil ciudad a la que viaja cada fin de mes ya que allá consigue más variedad y diseños.

Este crédito es para ir a Guayaquil a comprar ropa, zapatos, carteras y todo de lo que ella vende ya que se viene la época de Navidad y es cuando más vende. Está en el Banco Comunal desde su inicio y le gusta por la ayuda que le han brindado, así como también los beneficios adicionales que brinda.

Su sueño es tener un local donde vender sus productos.



About Ecuador

  • $10,600
    Average annual income
  • 53
    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 $975 helped Yina Esperanza buy clothing, shoes, purses and everything that she sells.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Nov 20, 2012
Listed
Dec 4, 2012
Currency Exchange Loss:
N/A
Ended:
Jun 17, 2013