Update on Dolores GeocondaLos Sexos Communal Bank meets every 15 days in the Picoaza parish in the city of Portoviejo. This place is known for being a very commercial area as well as for its traditional festivals of San Pedro and San Pablo and for the rich historical culture enveloped by the mountains.
In this place lives Dolores, 32 years old, who is married with two children who are 14 and 12 and studying in school. Her husband is a public servant.
Dolores is a woman who likes to make her own way and earn her own money to give the best to her children. She sells all types of clothes, selling from door to door. She works three days a week in the mornings and evenings because this is when her children are in class. She also sells out of her home, where her most familiar customers go. She sells her merchandise on credit and collects every eight days. She has been in this business for 12 years. She buys her merchandise in Guayaquil whenever she needs it.
She is repeating this loan because with the one she received, she made very good income during the Christmas season. With her revenue, she was able to pay for certain things and expenses at her children's schools and purchase supplies for the home. This loan, like the first, is to purchase all types of clothes, such as pants, blouses, shirts, and children's clothes. She has been with the communal band from the beginning and likes it because of the help the loans give her.
Her dream is to give the best to her children.
En este lugar vive la señora Dolores, tiene 32 años de edad y mantiene una relación de unión libre de la cual tiene dos hijos de 14 y 12 años que estudian en colegio. El marido es empleado público.
Doña Dolores una mujer que le gusta valerse por ella misma y ganarse sus propios recursos para darles lo mejor a sus hijos, ella se dedica a la venta de ropa de todo tipo, su forma de venta es puerta a puerta y trabaja tres días en la semana más que todo en horas de la mañana o en la noche ya que a esa hora sus hijos están en clases, ella también vende en su casa hasta donde llegan sus clientes más conocidos, su mercadería la deja a crédito y cobra cada ocho días. Lleva 12 años con este negocio, su mercadería la compra en Guayaquil cada vez que necesita.
Ella está repitiendo el crédito ya que con el que recibió obtuvo muy buenos ingresos sobre todo en la época de Navidad, con sus ganancias ella pudo pagar ciertas cosas y gastos que tuvo en los colegios de sus hijos y comprar alimentos para su hogar. Este crédito al igual que el anterior es para comprar ropa de todo tipo como pantalones, blusas, camisetas y ropa de niños. Esta desde el inicio en el Banco Comunal y le gusta por la ayuda que le brindan los créditos.
Su sueño es darles lo mejor a sus hijos.
Previous Loan DetailsThe "Guerra de los Sexos" (War of the Sexes) communal bank meets every two weeks in Picoaza parish in the city of Portoviejo. This is a place known for being a commercial center, for its traditional San Pedro and San Pablo festivals, and for the rich historical culture that its mountains enclose.… More from Dolores Geoconda'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
- Repayment Term
- 7 months (Additional Information)
- Repayment Schedule
- Mar 5, 2013
- Apr 1, 2013
- Currency Exchange Loss:
- Sep 17, 2013
Photo from previous loan
Kiva allows our Field Partners to re-use the same photo for individual borrowers that have been posted on Kiva's website once before in a 24 month period, and we allow them to re-use group photos for up to 24 months, provided that 80% of the current group's membership is represented.
Taking, collecting, and uploading photos of borrowers is one of the most challenging elements of using Kiva for our Field Partners. In order to make Kiva easier for Field Partners to use, we have allowed them to post successive and concurrent loans without taking a new photo of the borrower if the criteria above are met.