Update on Reyita JaquelineThe communal bank Guerra de Los Sexos ("War of the Sexes") meets every fifteen days in the Picoaza parish in the city of Portoviejo. This place is known for being a very commercial area, for its traditional celebrations of San Pedro and San Pablo, and for the rich historical culture that is enclosed between its mountains.
Here lives Reyita, 42, who is married and has four children from this relationship, three older and the youngest is 13 and studying in school and still lives with her. Her husband is a merchant.
Rayita, like her husband, makes a living selling all types of clothing. Three to four days a week, they go to the nearby fields where they have a very good client base that always buys from them since they make payment easy, granting things on credit and charging by the week.
She has accompanied her husband in his sales for four years, even though he has already spent many more years devoted to sales. With this work they have moved their family forward in an honest way.
She is repeating her loan request since with the former loan she made improvements to the business. With her earnings she was able to pay for expenses related to her son's studies and buy certain medicines since she was mildly ill. This loan, as the former loan, is to buy all types of clothing such as pants, shirts, blouses and children's clothing.
She has been in the communal bank from the beginning and she likes it for the help that the loans offer her. Her dream is to buy a car to be able to travel to more places selling her apparel.
En este lugar vive la señora Reyita, tiene 42 años de edad, está casada y de esta relación tienen cuatro hijos, tres mayores de edad y el menor tiene 13 años que estudia en colegio y es el que aun vive con ella. Su esposo es comerciante.
Doña Rayita al igual que su esposo se dedican a la venta ropa de todo tipo, ellos de tres a cuatros días por semana se desplazan a los campos cercanos donde tienen muy buena clientela que siempre les compran ya que les dan facilidades de pagos, dejan a crédito y cobran por semana, ella lleva cuatro años acompañando a su marido en sus ventas aunque el ya tiene muchos años mas dedicado al comercio, trabajo con el cual sacan adelante a su familia de una forma honrada.
Ella está repitiendo el crédito ya que con el crédito anterior ella pudo mejorara el negocio, con sus ganancias pudo pagar gastos relacionado con los estudios de su hijo y comprar ciertas medicinas ya que estuvo un poco enferma. 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 comprar un carro para trasladarse a más lugares a vender sus prenda
Previous Loan DetailsThe “Guerra de los Sexos” (War of the Sexes) communal bank meets every fifteen days in Picoaza Parish in the city of Portoviejo, a place noted for being very commercial, for its traditional festival of Saint Peter and Saint Paul and for the rich historical culture surrounded by its mountains. ... More from Reyita Jaqueline'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.