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Dolores María
The Calle América communal bank meets every 15 days in the Montecristi canton. This canton is known for its rich pre-colonial culture and its handicrafts, which are known on a national and international level. It is the home of the famous Panama hats.

Dolores, age 44, lives here. She is married, and they have three children. Two are 13 years old; they are twins. The youngest is 4 years old. The two older children go to school. Her husband is a bricklayer.

In order to earn something on her own with which to be able to get ahead and help her husband with the household expenses, Dolores sells all types of clothes. She sells door-to-door, and she also sells at her house.

Her customers go to her house when they need a garment or when she has new merchandise. She has a small place there that is more or less stocked, even though she makes most of her sales going from door-to-door. She gives her customers credit, and she collects every 15 days.

She goes to Guayaquil each time she needs to buy merchandise. She has been doing this business activity for nine years. With her business she is able to pay the expenses when her husband does not have work.

She will use this loan to buy more merchandise like pants, blouses, t-shirts, and children’s clothes. She has been in her communal bank for three cycles. She likes the help that the loans always give in order to get ahead.

Her dream is to have a big place.
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 Dolores, tiene 44 años de edad, está casada y de esta relación tienen tres hijos, dos de 13 años que son gemelos y el menor de 4 años, los dos mayores estudian en colegio. Su esposo es albañil.

Doña Dolores con la intención de ganar algo por su cuenta y con esto poder salir adelante y ayudar a su esposo con los gastos del hogar se dedica a la venta de ropa de todo tipo, su forma de venta es puerta a puerta y también vende en su casa hasta donde llegan sus clientes cuando necesitan de alguna prenda o cuando lleva mercadería nueva, allí ella tiene un pequeño local más o menos surtido, aunque la mayor parte de sus ventas las realiza puerta a puerta, deja a crédito a sus clientes y cobra cada quince días. Su mercadería la va a comprar a Guayaquil cada vez que necesita. Tiene 9 años que se dedica a esta actividad y con esto ella puede solventar los gastos cuando su esposo no tiene trabajo.

Este crédito lo va emplear en comprar más mercadería como: pantalones, blusas, camisetas y ropa de niños. Lleva tres ciclos en el Banco Comunal y le gusta por la ayuda que siempre le dan los créditos para salir adelante.

Su sueño es tener un gran local.

About Ecuador

  • $10,200
    Average annual income
  • 36
    View loans »
    Ecuador Loans Fundraising
  • $23,419,050
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $750 helped Dolores María to buy pants, blouses, t-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