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Carmen Judith
The comunal bank 9 De Julio convenes every fifteen days in Montecristi canton. The city is known for its rich pre colonial culture and artistry that is recognized on a national and international level. It is also the home of the famous panama hat.

This is where Carmen calls home. She is 39 years old, married, and has three children of 21, 19, and 16 years of age. The two oldest attend university and the youngest is in high school. Her husband is a chauffer.

She is a very good mother and wife. To help her husband with the expenses she makes a living in retail. She sells all styles of clothing, home appliances, and furniture through catalogs. She shows her customers the catalogs so they can find what they like and later she will place the order through the distributor. She also brand name products such as Esika, Lebel, and Sayson (perfumes, creams, and imitation jewelry among others). She allows her customers to pay on credit and she collects every eight days. She has been doing this for the last four years and has been doing very well.

She seeks this loan to purchase clothes, creams, perfumes, cosmetics, and home appliances. This is her third loan from the comunal bank and she likes it because the loans are of great help to her business.

Her dream is for her children to become good working professionals.
View original language description ↓
EL Banco Comunal 9 De Julio se 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 la señora Carmen, tiene 39 años de edad, está casada y de esta relación tienen tres hijos de 21, 19 Y 16 años de edad, los dos mayores estudian en universidad y el menor en colegio. Su esposo es chofer.

Ella es una muy buena madre y esposa que para ayudar a su marido con los gastos del hogar se dedica al comercio, vende ropa de todo tipo, electrodomésticos y muebles por catálogos, ella enseña los catálogos a sus clientes para que ellos seleccionan lo que desean y luego ella realiza el pedido a la distribuidora. También vende productos de Esika, Lebel, y Sayson (perfumes, cremas, bisutería entre otras cosas), entrega a crédito y que cobra cada ocho días, lleva 4 años en este negocio y le va muy bien.

Este crédito es para comprar ropa, cremas, perfumes, cosméticos y electrodomésticos. Este es su tercer ciclo en el Banco Comunal y le gusta porque los créditos son de gran ayuda para financiar su negocio.

Su sueño es que sus hijos sean buenos profesionales.

About Ecuador

  • $10,200
    Average annual income
  • 18
    View loans »
    Ecuador Loans Fundraising
  • $22,578,800
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,075 helped Carmen Judith to purchase clothes, creams, perfumes, cosmetics, and home appliances.
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