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Mercedes Monserrate
The Calle America Communal Bank meets every 15 days in the Montecristi region, an area known for its rich pre-colonial culture and for its artisan crafts that are recognized at the national and international levels. This is the place with the famous straw sombreros.

In this place lives Mercedes. She is 37 years old, married, and from this relationship has three children who are 15, 10, and five years old. The two older ones go to secondary school and the little one to primary school. Her husband is a bricklayer.

In order to earn something and be able to help her husband with the household expenses, Mercedes sells all types of clothes. She sells door to door every day, whether it be in the mornings or in the afternoons. She goes out to go all around the city, offering her products. She also sells out of her home, where her most well-known customers visit. She goes to purchase her merchandise in Guayaquil, Huaquillas, and other cities, where it is sold the most cheaply. She has had this business for 10 years, and it is going very well. With her earnings, she pays for certain expenses and her children's schooling.

This loan will be used to purchase more merchandise such as pants, blouses, shirts, and children's clothes. She has been in the communal bank more than five years, and she likes it because of the help that the loans giver her.

Her dream is to give the best to her little children.
View original language description ↓
EL Banco Comunal Calle América se reúne cada quince días en el 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 Mercedes, tiene 37 años de edad, está casada y de esta relación tienen 3 hijos de 15, 10 y 5 años de edad, los dos mayores estudian en colegio y el menor en escuela. Su esposo es albañil.

Doña Mercedes para ganar algo y con esto poder ayudar a su esposo con los gastos que genera el hogar se dedica a la venta de ropa de todo tipo, su forma de venta es puerta a puerta, ella todos los días ya sea en las mañanas o en las tardes sale a recorrer toda la ciudad ofreciendo sus productos, también vende en su casa hasta donde llegan sus clientes más conocidos. Su mercadería la va a comprar a Guayaquil, Huaquillas y otras ciudades donde le venden más barato. Tiene 10 años que se dedica a esta actividad y le ha ido muy bien, con sus ganancias ella solventa ciertos gastos de estudios de sus hijos.

Este crédito lo va emplear en comprar más mercadería como: pantalones, blusas, camisetas y ropa de niños. Está en el Banco Comunal hace más de 5 años y le gusta por la ayuda que le brindan los créditos.

Su sueño es darles lo mejor a sus pequeños hijos.


About Ecuador

  • $10,200
    Average annual income
  • 58
    View loans »
    Ecuador Loans Fundraising
  • $23,889,575
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,600 helped Mercedes Monserrate purchase pants, blouses, shirts, and children's clothes.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Mar 6, 2013
Listed
Apr 1, 2013
Currency Exchange Loss:
N/A
Ended:
Aug 17, 2013