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Elsa Mercedes
The “Siempre Unidas” communal bank meets every fifteen days in the cantón of Jipijapa, a cantón known by the name of the sultan of coffee because of the extensive plantations of coffee, which has an incomparable flavor, and for its food and the warmth of its people.

This is where Elsa lives. She is 39 years old. She is married and from this relationship she has three children who are 22, 21, and 18 years old. The oldest is studying at university and the youngest is in school. Both of them live with her. Her husband has a shop where he solders and paints cars.

Elsa, with the goal of having her own income, works selling products from catalogs, such as clothing, shoes, and Belcorp products (beauty products, cosmetics, perfume, and women’s accessories). She sells door to door and by orders. She works every day, especially in the morning hours since this is when it’s easier for her to go out and make her sales. She sells on credit and charges each week. She loves sales and she has been doing this for two years, during which time things have gone very well for her because she has a lot of customers. What she sells the most are cosmetics and perfumes.

She will use this loan to buy clothing, shoes, perfumes, costume jewelry, cosmetics, and lotions. She has been in the communal bank for 4 year and she likes it because it was with those loans that she started her business.

Her dream is to give the best to her children.
View original language description ↓
EL Banco Comunal Siempre Unidas se reúne cada quince días en el Cantón Jipijapa, cantón conocido con el nombre de la sultana del café por los extensos cultivos de café el cual tiene un sabor incomparable, por su gastronomía y por la calidez de su gente.
En este lugar vive la señora Elsa, tiene 39 años de edad, está casada y de esta relación tienen tres hijos de 22, 21 y 8 años de edad, la mayor estudia en universidad y el menor en escuela los dos aun viven con ella. Su esposo tiene un taller de soldadura y pintura de carros.
Doña Elsa con la finalidad de contar con sus propios ingresos se dedica a la venta de productos por catálogos como ropa, zapatos y productos de Belcorp (artículos de belleza, cosméticos perfumería y accesorios para damas). Su forma de venta es puerta a puerta y por pedidos, ella trabaja todos los días más que todo en las horas de la mañana ya que a esas horas le resulta más fácil realizar sus recorridos, deja a crédito y cobra semanalmente, le encanta vender y que esto lo viene realizando desde hace dos años en los que le ha ido muy bien ya que tiene bastante clientela. Lo que más vende son los cosméticos y los perfumes.
Este crédito lo va a emplear en comprar ropa, zapatos, perfumes, bisutería, cosméticos y cremas. Lleva más de 4 años en el Banco Comunal y le gusta porque con los créditos empezó su negocio.
Su sueño es darles lo mejor a sus hijos.

About Ecuador

  • $10,200
    Average annual income
  • 36
    View loans »
    Ecuador Loans Fundraising
  • $23,451,875
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $850 helped Elsa Mercedes to buy clothing, shoes, perfumes, costume jewelry, cosmetics, and lotions.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Sep 19, 2013
Listed
Oct 20, 2013
Currency Exchange Loss:
N/A
Ended:
Feb 17, 2014