Update on Gina MarianaArtesanal Communal Bank meets every two weeks in Jipijapa Canton, known as "The Sultan of Coffee" for its extensive crops of incomparably flavored coffee, its cuisine, and the warmth of its residents. Gina, 48, lives here. She's married and has two children, ages 20 and 13, who are students in a university and a school. Her husband is a driver.
Gina makes a living selling all types of clothing so she can earn something on her own to be able to get ahead in her household. She sells door-to-door and also at home, where she has a small space. She makes her rounds three days a week for a few hours, leaving things on credit with her customers and collecting every two weeks. She goes to Guayaquil to buy her merchandise whenever she needs to. She has made a living in this work for more than 10 years and it's going very well for her.
She's getting another loan with the institution because this is how she can finance her business, which produces the money for her to pay for her children's educational expenses, which is the most important thing for her.
She's going to use this loan to buy more merchandise such as pants, blouses, t-shirts, and children's clothing to take advantage of this season, which is very good for her sales.
She has been in the communal bank for more than 14 years and she likes it because of the help they've given her during this time. Her dream is to see her children finish their studies and become good professionals.
En este lugar vive la señora Gina, tiene 48 años de edad, está casada y de esta relación tienen dos hijos de 20 y 13 años que estudian en Universidad y colegio. Su esposo es chofer.
Doña Gina con la intención de ganar algo por su cuenta y con esto poder salir adelante en el hogar se dedica a la venta de ropa de todo tipo, su forma de venta es puerta a puerta y también vende en su casa donde tiene un pequeño local. Trabaja tres días a la semana en sus recorridos, deja a crédito a sus clientes y cobra cada quince días. Su mercadería la va a comprar a Guayaquil cada vez que necesita. Tiene más de 10 años que se dedica a esta actividad y le va muy bien.
Ella está repitiendo el crédito con la institución ya que es así como puede financiar su negocio el mismo que le produce para financiar los gastos de los estudios de sus hijos, ya que para ella eso es lo más importante, este crédito lo va emplear en comprar más mercadería como: pantalones, blusas, camisetas y ropa de niños para aprovechar esta época que es muy buena para sus ventas. Está en el Banco Comunal desde hace más de 14 años y le gusta por la ayuda que le han brindado durante todo este tiempo.
Sus sueños es ver que sus hijos terminen sus estudios y sean buenos profesionales.
Previous Loan DetailsThe Communal Bank Artesenal meets every two weeks in the Canton Jipijapa which is known as the sultaness of coffee because of the extensive plantings of coffee there which has an incomparable flavor. It is also known for its excellent food and for the warmth of its people. Here lives Gina. S... More from Gina Mariana's previous loan »
Concurrent and Successive Loans
Our Field Partners often work with borrowers over a series of loans as the borrowers build credit, take out bigger loans, and expand their businesses. In order to make it easier for our Field Partners to post loans for borrowers who have been listed on Kiva before, we allow them to post successive and concurrent loans for their Kiva borrowers. This means that our Field Partners are able to post a borrower's second, third, etc., loan on Kiva without having to re-enter all of the borrower's information.
This borrower has been listed on Kiva before, so you'll see an updated loan description, as well as excerpts of the original descriptions from earlier loans. Most borrowers take out loans consecutively, meaning that they receive a second loan after having repaid the first. However, sometimes our Field Partners give out concurrent loans, allowing borrowers to take out one primary loan and a secondary "add-on" loan along with it. These "add-on" loans are typically smaller than the borrower's primary loan and serve a different purpose. Because Field Partners can now post loans as successive and concurrent loans, you will be able to track borrower progress over time and see the various ways a borrower is working with our Field Partners through funds from Kiva’s lenders.
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