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Mariela Cecibel
“La Sirena” Communal Bank meets every fifteen days in the La Sirena neighborhood in Manta. The city is known for its beautiful beaches that are visited during all seasons of the year and for being a city of unsurpassed beauty with many tourist attractions. In this place, lives Valeria. She is 24 years old and single. She lives in her parents’ home and studies Marketing at the university in Manta.

In addition to her studies, Valeria is engaged in trade, selling all styles of clothing, shoes, and Cyzone products (beauty products, cosmetics, perfume, and accessories for ladies). She sells door-to-door although she conducts most of her sales at the center where she studies. She has several customers there and she extends credit and collects payments every fifteen days. She has been engaged in this business for four years and it helps her move forward with her studies.

This loan is for the purchase of clothing, shoes, creams, and perfume. She had been involved in the communal bank for four years and she enjoys it because it enabled her to start her business, which provides her with earnings to pay for her educational expenses. Her dream is to complete her studies and become a businesswoman.
View original language description ↓
El Banco Comunal La Sirena se reúne cada 15 días en el barrio La Sirena en la ciudad de Manta, ciudad conocida por sus hermosas playas que son muy visitadas en toda época del año y por ser una ciudad con una belleza sin igual con muchos atractivos turísticos.

En este lugar vive la señorita Valeria, tiene 24 años, está soltera y vive en casa de sus padres, estudia Marketing en una Universidad en Manta.

Valeria además de dedicarse a sus estudios también se dedica al comercio, vende ropa de todo tipo, zapatillas y productos de Cyzone (productos de belleza, cosméticos, perfumería y accesorios para damas). Su forma de venta es puerta a puerta aunque la mayoría de sus ventas las realiza en el centro donde ella estudia ya que tiene varios clientes, ella deja a crédito y cobra cada quince días. Lleva más 4 años con su negocio el cual le permite sacar adelante sus estudios.

Este crédito es para comprar ropa, zapatillas, cremas y perfumes. Lleva 4 años en el Banco Comunal y le gusta porque con esto empezó su negocio el cual le da ganancias para solventar los gastos de sus estudios.

Sus sueños son terminar sus estudios y ser empresaria.

About Ecuador

  • $10,600
    Average annual income
  • 52
    View loans »
    Ecuador Loans Fundraising
  • $24,295,300
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,275 helped Mariela Cecibel to purchase clothing, shoes, creams, and perfume.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Apr 12, 2013
Listed
May 25, 2013
Currency Exchange Loss:
N/A
Ended:
Sep 17, 2013