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Jovanny Janeth
The communal bank "Jardín De La Artesanía" ["Handicrafts Garden"] meets every fifteen days in the canton of Montecristi, known for its rich pre-colonial culture and for its handicrafts, which are recognized on the national and international levels. It is the home of the famous hats made out of paja toquilla fibers.

In this place lives Jovanny, who is 52 years old. She is married, and from this relationship she has four children, which are already adults. The youngest of them still lives with her. Her husband is retired.

Jovanny is a teacher in a local school, but realizing that her salary often does not cover her expenses, she also dedicates herself to commerce. She sells clothing of all types as well as Avon products (beauty products, cosmetics, perfumes and women's accessories). She works every day, since she sells at the educational center where she works, and during evenings and weekends she goes around in the area where she lives. She offers her products on credit and collects payments every eight days. She has done this work for five years, and it has allowed her to earn a little extra.

This loan is to buy perfumes, creams, cosmetics and clothing. She has been in the communal bank for three years, and she likes it because the loans are of great help in her life.

Her dream is to have a boutique.
View original language description ↓
EL Banco Comunal Jardín De La Artesanía se reúne cada quince días en 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 Jovanny, tiene 52 años de edad, está casada y de esta relación tienen cuatro hijos los mismos que ya son mayores de edad, el menor de ellos aún vive con ella. Su esposo es jubilado.

Doña Jovanny es maestra de un colegio de la localidad, pero al ver que el sueldo muchas veces no alcanza para los gastos también se dedica al comercio, ella vende ropa de todo tipo y productos Avon (productos de belleza, cosméticos, perfumería y accesorios para damas). Trabaja todos los días ya que ella vende en el centro de estudios donde labora y los fines de semana y noches recorre su localidad, deja sus productos a crédito y cobra cada ocho días. Tiene 5 años que se dedica a esta actividad la cual le permite ganar algo extra.

Este crédito es para comprar perfumes, cremas, cosméticos y ropa. Lleva 3 años en el Banco Comunal y le gusta porque los créditos son de gran ayuda para su vida.

Su sueño es tener una boutique.

About Ecuador

  • $10,200
    Average annual income
  • 40
    View loans »
    Ecuador Loans Fundraising
  • $23,142,500
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,700 helped Jovanny Janeth to buy perfumes, creams, cosmetics and clothing to sell.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Jun 26, 2013
Listed
Jul 10, 2013
Currency Exchange Loss:
N/A
Ended:
Nov 17, 2013