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Gema Dolores
The communal bank "El Pedregal" meets every 15 days in El Pedregal, in Picoaza parish in the city of Portoviejo. This is a place that is known for its commercial activity, its traditional San Pedro and San Pablo festivals, and the happiness of its people.

This is where Gema, 21, lives. She is separated, but has a 3 year-old daughter from this relationship. She lives in her parent's house.

Gema is a young woman who likes to be self-sufficient. With her efforts, she is supporting her daughter. She works in retail trade, selling clothing through catalogs, handbags, certain perfumes, and accessories. She sells door-to-door; she goes around the city where she has a lot of customers. She sells on credit and collects every 15 days. Gema's had this business for a year; she started out with the first loan that she received from the institution, for which she is very grateful. This is how she has been supporting herself and her daughter.

Gema will use this loan to buy clothing, handbags, perfumes, and other products to sell. She has been with her communal bank for more than a year, and she likes it because with her first loan, she started her business.

Gema's dream is to provide her daughter with everything she needs.
View original language description ↓
El Banco Comunal El Pedregal se reúne cada quince días en el sitio el Pedregal en la parroquia Picoaza de la ciudad de Portoviejo. Lugar conocido por ser una zona muy comercial, por sus fiestas tradicionales de San Pedro y San Pablo y por la alegría de su gente.

En este lugar vive la señora Gema, tiene 21 años de edad, está separada pero de esa relación tiene una hija de 3 años de edad, ella vive en casa de los padres.

Doña Gema es una joven mujer que le gusta valerse por sí misma y con su esfuerzo sacar adelante a su hija para lo cual se dedica al comercio, vende ropa por catálogos, carteras y ciertos perfumes y bisutería, su forma de venta es puerta a puerta, ella sale a recorrer por la ciudad donde tiene muchos sus clientes, deja a crédito y cobra cada quince días, ella tiene 1 año con este negocio el cual empezó con el primer crédito que recibió de la institución y por lo cual está muy agradecida, así ella se gana el sustento de ella y el de su hija.

Este crédito lo va emplear en comprar ropa, carteras, perfumes, entre otras cosas que vende. Lleva más de un año en el Banco Comunal y le gusta porque con el primer crédito empezó su negocio.

Su sueño es que a su hija no le falte nada.

About Ecuador

  • $10,200
    Average annual income
  • 15
    View loans »
    Ecuador Loans Fundraising
  • $22,541,325
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,300 helped Gema Dolores to buy clothing, handbags, perfumes, etc.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Jun 28, 2013
Listed
Jul 15, 2013
Currency Exchange Loss:
N/A
Ended:
Jan 17, 2014