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Carlos Julio
The July 9th communal bank meets every 15 days in Cantón Montecristi, known for its rich pre-colonial culture and for its handcrafts which are recognized at a national and international level. It is also home to the famous straw hats.

This is where Señor Carlos lives. He is 49 years old and has a common-law marriage, but he was not able to have children. His wife is a craftswoman.

He is a very hard-working man who, in order to bring the daily bread home, makes a living through commerce. He sells all types of clothing and his method of selling is by going door to door, but he also sells from his home where his wife helps with his sales because she has a small beauty salon there and takes advantage of showing off her husband's merchandise. He works every day either in the mornings or in the afternoons, sells on credit to his customers, and charges every 15 days. He buys his merchandise in Guayaquil and also travels to Colombia to buy better merchandise for his customers. Carlos has spent more than 20 years making a living with this activity and has many customers.

He is going to use this loan to buy more merchandise like pants, blouses, shirts, and children's clothing. He has two loans from his communal bank and he likes it because the interest is low. His dreams are to continue moving forward in his business and in his family life.
View original language description ↓
EL Banco Comunal 9 De Julio que reúne cada quince días en Cantón Montecristi, conocido por su rica cultura pre colonial y por su artesanía que es reconocida a nivel nacional e internacional. Lugar de los famosos sombreros de paja toquilla.

En este lugar vive el señor Carlos, tiene 49 años de edad, mantiene una relación de unión libre pero no han podido tener hijos. Su esposa es artesana.

Él es un hombre muy trabajador que para llevar el pan diario a su hogar se dedica al comercio, vende ropa de todo tipo y su forma de ventas es puerta a puerta, también vende en su casa donde su esposa le ayuda con sus ventas ya que allí ella tiene un pequeño salón de belleza y aprovecha de mostrar la mercadería de su marido. Trabaja todos los días ya sea en las mañanas o en las tardes, deja a crédito a sus clientes y cobra cada quince días. Su mercadería la va a comprar a Guayaquil y también viaja hasta Colombia para comprar la mejor mercadería para sus clientes. Tiene más de 20 años que se dedica a esta actividad y tiene mucha clientela.

Este crédito lo va emplear en comprar más mercadería como: pantalones, blusas, camisetas y ropa de niños. Lleva dos créditos en el Banco Comunal y le gusta porque los intereses son muy bajos.

Sus sueños seguir adelante en su negocio y en su vida familiar.

About Ecuador

  • $10,200
    Average annual income
  • 10
    View loans »
    Ecuador Loans Fundraising
  • $22,544,250
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $750 helped Carlos Julio to buy pants, blouses, shirts, and children's clothing.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Dec 28, 2012
Listed
Feb 1, 2013
Currency Exchange Loss:
N/A
Ended:
May 17, 2013