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Carmen Arcelia
The Communal Bank “San Esteban” meets every 15 days in the city of Charapoto. This city is known for its traditional culture and it is also located a few minutes away from two of the best beaches in the province, San Jacinto and San Clemente.


Sra. Carmen lives in this place. She is 37 years old, married, and has three children (ages 18, 15, and 10). Her oldest child is studying at the university and the two younger ones are in school. Her husband owns a bakery.


Doña Carmen is able to help her family move forward by working as a merchant. She has a store in her house where she sells all types of products such as rice, sugar, oil, detergents, legumes, vegetables, and fruits. In the same location, she and her husband have a bakery where they make bread of different flavors. They also prepare delicious cakes. Carmen and her husband begin working at 5:00 A.M. by baking the bread so that it will be ready when their customers arrive since they always purchase it to bring to their homes. This family business has been in existence for more than 18 years.


This loan will be used to buy more inventory for Carmen’s store such as rice, sugar, oil, and other grocery items, as well as flour, eggs, and shortening for making bread. Carmen has been with the Communal Bank for 13 years and enjoys the assistance she has received through the loans.


Her goals are to continue moving forward and to provide the best for her family.

View original language description ↓
En la ciudad de Charapoto se reúne cada quince días el Banco Comunal San Esteban. Esta localidad se conoce por su cultura tradicional y además por estar a pocos minutos de dos de las mejores playas de la provincia como son San Jacinto y San Clemente.

En este lugar vive la señora Carmen, tiene 37 años de edad, está casada y de esta relación tienen tres hijos de 18, 15 y 10 años, el mayor estudia en la universidad y los menores en colegio y escuela. Su esposo tiene una panadería.

Doña Carmen para salir adelante junto a su familia se dedica al comercio, ella tiene una tienda en su casa donde vende todo tipo de productos como arroz, azúcar, aceites, detergentes, legumbres, verduras y frutas, allí tienen una panadería en la cual además de hacer pan de distintos sabores también preparan deliciosas tortas, ella y su esposo trabaja desde las 5h00 que comienzan a hornear el pan para que cuando lleguen sus cliente todo esté listo para que sus clientes puedan llevar el pan a sus hogares. Llevan más de 18 años con este negocio familiar.

Este crédito lo va a emplear en surtir mas su tienda, va a comprar arroz, azúcar, aceite, harina, huevos, manteca y otros víveres para su tienda y para elaborar el pan. Está en el Banco Comunal hace 13 años y le gusta por la ayuda que recibe con los créditos.

Sus metas son seguir adelante y darles lo mejor a su familia.

About Ecuador

  • $10,200
    Average annual income
  • 17
    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 $650 helped Carmen Arcelia to buy flour, eggs, and shortening for making bread as well as rice, sugar, oil, and other grocery items to sell in her store.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Dec 4, 2012
Listed
Jan 1, 2013
Currency Exchange Loss:
N/A
Ended:
May 17, 2013