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Carmen Marina
The communal bank "Jardín De La Artesanía" meets every 15 days in the canton of Montecristi. This area is known for its rich pre-colonial culture and for its handicrafts, which are well-known at the national and international level, because this is where the famous "Panama" straw hats are made.

This is where Carmen, 63, lives. She is married, and she and her husband have three grown children, one of whom still lives with her. Her husband has a workshop where he repairs shoes.

In order to earn something on her own so that she can get ahead and help her husband with the household expenses, Carmen has a business selling all types of clothing. She sells door-to-door as well as from her home, where she has a small store that is well stocked. Carmen goes out to sell three days a week, selling on credit and collecting every 15 days. She goes to buy her merchandise in Guayaquil every time she needs it. She's had this business for 9 years, and with it she helps to cover the household expenses, since her husband doesn't earn a lot from his work.

Carmen will use this loan to buy more merchandise, such as: pants, blouses, T-shirts and children's clothing. She's been a member of her communal bank from the start, and she likes it because of the help that is always provided with these loans, enabling her to get ahead.

Carmen's dream is to have a big store.
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 Carmen, tiene 63 años de edad, está casada y de esta relación tienen tres hijos los mismos que ya son mayores de edad, una de ellos aún vive con ella. Su esposo tiene un taller que arregla zapatos.

Doña Carmen 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 además también vende en su casa donde tiene un pequeño local bien surtido, ella sale a recorrer tres días de la semana, 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 ayuda a solventar los gastos ya que su marido no gana mucho con su labor.

Este crédito lo va emplear en comprar más mercadería como: pantalones, blusas, camisetas y ropa de niños. Esta desde el inicio 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

  • $10,600
    Average annual income
  • 54
    View loans »
    Ecuador Loans Fundraising
  • $24,308,800
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,175 helped Carmen Marina to buy pants, blouses, T-shirts and children's clothing.
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