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Julia Catalina
Julia is 53 years old and was born in a small part of the city of Loja. Her family was of limited financial resources so they were only able to pay for her to complete elementary school and receive a basic education. She married Jose when she was very young. He’s now 63 years old and a farmer. They have five children and have provided them with everything they needed so that they could become independent and work on their own. She currently lives with her husband in the Santo Domingo settlement of the Santo Domingo de los Tsachilas province. Santo Domingo is located along the mountain and coastal regions of Ecuador, and is in a commercially strategic zone, very convenient for large and small entrepreneurs.

Julia has been a housewife since she married and has also been helping her husband work on the crops. However nine years ago she saw that the household needs had increased greatly when she was diagnosed with uterine cancer and she had to cover various costs for this treatment. It would have been easy for Julia to give up and use her illness as a reason to quit working, however this woman has not slowed down despite her age and illness. Each day she goes out to walk along the streets of her city and offer casual clothing, table cloths, and curtains to her customers and also to collect on bills from previous sales. Julia needs to grow her business and needs more merchandise. This will help her increase her income and be able to cover the cost of her lab fees, medicine, and special food that her cancer treatment requires. Julia needs this loan to be able to buy clothing and products. Thanks to some of her friends’ recommendations Julia has approached Fundación Alternativa, who aside from the speed and trust, have they have made this loan possible very easily. This is her first loan and she expects to be on time with her payments. She is grateful to Kiva, who has made this loan possible.
View original language description ↓
Julia es una mujer de 53 años, nació en un hogar de una pequeña ciudad de Loja, su familia era de escasos recursos económicos, por lo que solo pudieron apoyar a Julia hasta que termine la escuela primaria y adquiriera los conocimientos básicos. Se casó muy joven con José que ahora tiene 63 años y es agricultor y con quién tuvo 5 hijos a quienes les dieron todo lo necesario hasta que puedan independizarse y trabajar por sí solos. Julia actualmente vive con su esposo José en el Cantón Santo Domingo de la provincia de Santo Domingo de los Tsachilas. Santo Domingo se encuentra conectando la Región Sierra con la Región Costa del Ecuador siendo un punto estratégico de comercio y una zona muy conveniente para grandes y pequeños empresarios.
Julia desde que se casó fue una mujer dedicada a su hogar y ayudando a su esposo con el mantenimiento de los cultivos. Sin embargo hace 9 años vio que la necesidad en su hogar había crecido, mucho más cuando le detectaron cáncer en su útero y ha tenido que cubrir varios rubros por este tratamiento. Para Julia pudo ser fácil darse por vencida y usar como pretexto su enfermedad para dejar de trabajar, sin embargo, esta mujer no se ha detenido a pesar de su edad y su enfermedad, ella cada día sale a recorrer las largas calles de su ciudad para ofrecer ropa casual, manteles, cortinas a sus clientes y además para cobrar los saldos pendientes de anteriores ventas. Julia requiere crecer en su negocio para lo cual necesita surtir la mercadería que tiene, esto le ayudará a incrementar sus ingresos y así poder cubrir exámenes de laboratorio, medicinas y alimentación especial que le exige su tratamiento del cáncer. Para lograr comprar esta mercadería, Julia requiere un préstamo que lo usará en comprar surtido de ropa y productos. Gracias a la recomendación de varios amigos de la zona, Julia acudió a Fundación Alternativa, quienes además de la agilidad y confianza, le han facilitado un ejecutivo con quien ha tenido mucha afinidad. Es su primer crédito y espera ser puntual en sus pagos. Además agradece a Kiva quienes hacen posible que su actividad sea financiada.

Additional Information

About Fundación Alternativa

Fundación Alternativa encourages entrepreneurship and provides sustainable financial and non-financial services that promote social and economic development in Ecuador. The organization focuses on serving poor and excluded populations through analysis of clients' living conditions and by providing business training and other support services in urban, rural and marginalized parts of the country.

About Ecuador

  • $10,600
    Average annual income
  • 50
    View loans »
    Ecuador Loans Fundraising
  • $24,308,800
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,050 helped Julia Catalina to buy merchandise.
100% repaid
Repayment Term
11 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Jan 31, 2013
Listed
Feb 25, 2013
Currency Exchange Loss:
N/A
Ended:
Nov 17, 2013