Update on Candelaria AidaThe "Artesanal" communal bank meets every two weeks in the canton of Jipijapa, the canton named "sultaness of coffee" for its extensive production of coffee (of incomparable quality), for its cuisine, and for its warm-hearted people.
Candelaria lives in Jipijapa. She is 48 years old and is separated from her husband, with whom she has four adult children. Two of these children still live with her. Candelaria has belonged to this communal bank for two-and-a-half years. She enjoys the support it has given her even though she does not have the support of her husband. She is the head of her household. In order to provide for herself and get ahead without depending on anyone else, Candelaria began a retail business selling clothing, trinkets, headbands, and Yanbal products (beauty products, cosmetics, perfume, and women's accessories).
She works three days a week for two or three hours daily. She allows her customers to buy her products on credit and collects payments weekly. When she needs to restock her store, Candelaria travels to Guayaquil to obtain her merchandise. She has been working in this business for four years, and it has gone very well for her.
Candelaria is requesting another loan through this institution so that she will be able to maintain her business and provide a living for herself as well as cover some medical expenses. She will use this loan to buy clothing, headbands, perfumes, creams, cosmetics, and other products. Her dream is to have good health.
En este lugar vive la señora Candelaria, tiene 48 años de edad, está separada y de esta relación tienen cuatro hijos todos mayores de edad, dos de ellos aun viven con ella. Ella lleva dos años y medios en el Banco Comunal y le gusta por la ayuda que le han dado a pesar de no contar con el respaldo de un esposo.
Doña Candelaria es un ama de casa que para obtener sus propios recursos y con esto poder salir ella sola adelante sin depender de nadie se dedica a la venta de ropa de todo tipo, bisutería, vinchas y productos de Yanbal (productos de belleza, cosméticos, perfumería y accesorios para damas). Trabaja tres días a la semana de dos a tres horas diarias, deja sus productos a crédito y cobra cada ocho días. Cuando ella necesita más mercadería viaja hasta Guayaquil a proveerse de más productos. Tiene 4 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 ella puede financiar su negocio el mismo que le da lo necesario para salir adelante, las ganancias que obtuvo le sirvieron para su alimentación, además de ciertos gastos médicos que tuvo ya que se enfermo. Este crédito es para comprar ropa, vinchas, perfumes, cremas, cosméticos entre otros productos.
Su sueño es tener buena salud.
Previous Loan DetailsThe “Artesanal” communal bank meets every two weeks in Jipijapa Canton, a canton known as the “Sultana of Coffee” because of the vast plantations of incomparably flavored coffee there, for its cuisine and for the warm-heartedness of its people. Candelaria, 48, lives here. She’s separated but… More from Candelaria Aida'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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Success!! The loan was 100% repaid