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Karina Fernanda
The communal bank "Primero de Abril" meets every fifteen days in Montecristi, a town that is known for its rich pre-colonial culture and its nationally and internationally recognized handicrafts. Home of the famous "Toquilla" straw hats (also known as Panama hats).

This is where Karina lives. Twenty-one years of age, she is in a common law relationship and has not yet had children. Her husband is a businessman. Karina is a young housewife. She takes care of the home and also earns a living in sales.

She sells clothes and Yanbal products by catalogue including beauty products, cosmetics, perfumes and women's accessories. She sells by going door to door. Every eight days she makes an order, distributes the products and collects payment because she sells her merchandise on credit. She has been in this business for more than 2 years and it has enabled her to get ahead.

This loan is to buy clothes and Yanbal products. She has been part of the communal bank for 2 years now and she likes it because she began her business with her first loan.

Her dream is to own a house because where they live now is rented.
View original language description ↓
EL Banco Comunal Primero De Abril 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 Karina, tiene 21 años de edad y mantiene una relación de unión libre y aun no tiene hijos. El marido es comerciante.

Doña Karina es una joven ama de casa que cuida de su hogar y también se dedica al comercio, ella vende ropa por catálogos y productos Yanbal (productos de belleza, cosméticos, perfumería y accesorios para damas), su forma de venta es puerta a puerta, ella hace los pedidos entrega y cobra cada 8 días ya que deja a crédito su mercadería, lleva más de 2 años dedicada a este negocio el cual le permite salir adelante.

Este crédito es para comprar ropa y los productos Yanbal. Está en el Banco Comunal desde hace 2 años y le gusta porque con el primer crédito empezó su negocio.

Su sueño es tener su casa propia ya que donde viven es arrendado.

About Ecuador

  • $10,600
    Average annual income
  • 94
    View loans »
    Ecuador Loans Fundraising
  • $24,193,350
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,375 helped Karina Fernanda to buy clothes and Yanbal products.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
May 13, 2013
Listed
Jun 15, 2013
Currency Exchange Loss:
N/A
Ended:
Oct 21, 2013