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Johana Elizabeth
The Communal Bank “Virgen del Mar” meets every 15 days at the beautiful seaside resort of San Mateo in the city of Manta. This city is known for its beautiful beaches that are frequented throughout the year by local and foreign tourists. Most of the residents work in the fishing industry or have jobs that are related to the sea.


Sra. Johana lives in this place. She is 31 years old, married, and has three children (ages 10, 8, and 3). The older children attend school. Her husband works as a chauffeur and a merchant.


Doña Johana earns some money on her own so that she can help her husband with the household expenses. She sells clothing of all types by going door-to-door. Her husband also brings in fishing supplies that are sold either to local merchants or directly to the fishermen in the area. Both Johana and her husband work every day whether it be providing transportation, selling fishing supplies, or selling clothes. She extends credit to her customers and collects payment on the weekends. Johana has been in this business for three years and is doing very well.


The loan she will receive will be used to buy more merchandise such as trousers, blouses, and T-shirts, as well as fishing supplies. She has been with the Communal Bank for two years and enjoys the assistance she has received through the loans.


Her dream is to have a car that she can use for making sales.

View original language description ↓
El Banco Comunal Virgen Del Mar se reúne cada 15 días en el hermoso balneario de San Mateo en la ciudad de Manta, conocido por sus hermosas playas que son muy visitadas en toda época del año por turistas nacionales y extranjeros, en este lugar la mayoría de los habitantes se dedica a la pesca y a las faenas del mar.

En este lugar vive la señora Johana, tiene 31 años de edad, está casada y de esta relación tienen tres hijos de 10, 8 y 3 años de edad, los mayores estudian en escuela. Su esposo chofer y comerciante.

Doña Johana para ganar algo por su cuenta y con esto ayudar a su esposo con los gastos del hogar se dedica a la venta de ropa de todo tipo, su forma de venta es puerta a puerta. También su esposo trae materiales de pesca para vender a comerciantes de este lugar o directamente a pescadores de la zona. Tanto ella como su esposo trabajan todos los días el con sus transportes y venta de materiales de pesca y ella con la venta de ropa, ella deja a crédito a sus clientes y cobra los fines de semana. Lleva tres años en esta actividad y le va muy bien.

Este crédito lo va emplear en comprar más mercadería como: pantalones, blusas, camisetas y materiales para la pesca. Está en el Banco Comunal desde hace 2 años y le gusta por la ayuda que recibe con los créditos.

Su sueño es tener un carro para realizar sus ventas.

About Ecuador

  • $10,600
    Average annual income
  • 93
    View loans »
    Ecuador Loans Fundraising
  • $24,171,475
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,475 helped Johana Elizabeth to buy trousers, blouses, and T-shirts to sell as well as fishing supplies for her husband's business.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Dec 7, 2012
Listed
Jan 1, 2013
Currency Exchange Loss:
N/A
Ended:
May 17, 2013