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Teresa Aracely
The credit group “Rostro de Jesús” meets every 2 weeks in Miraflores, a neighborhood in the city of Manta. The city is known for its beautiful beaches, popular all year long. The city’s beauty has no equal, and it has many tourist attractions.

This is where Teresa lives. She is 40 years old and lives in a common-law marriage, from which she has four children aged 17, 16, 10, and 8. The oldest attend high school, and the youngest attend grade school. Her partner is a construction worker.

In order to earn her own income to pay for her children’s education and the household’s expenses, Dona Teresa sells products from the Avon catalog (beauty products, cosmetics, perfume, and accessories for women). She works door-to-door every day, and mostly in the morning, because that is when it is easiest to make her rounds. She sells products on credit and collects payments each week. She has worked in this business for 10 years, and has advanced her family thanks to her earnings.

She will use this loan to buy perfumes, costume jewelry, cosmetics, creams, and other products. She has had three loans in the credit group, and she likes the group because the loans help her a lot. Her dream is that her children finish school and become successful professionals.
View original language description ↓
El Grupo De Crédito Rostro de Jesús se reúne cada 15 días en el barrio Miraflores en la ciudad de Manta, ciudad conocida por sus hermosas playas que son muy visitadas en toda época del año y por ser una ciudad con una belleza sin igual con muchos atractivos turísticos.
En este lugar vive la señora Teresa, tiene 40 años de edad y mantiene una relación de unión libre de la cual tiene cuatro hijos de 17, 16, 10 y 8 años, los mayores estudian en colegio y los menores en escuela. El marido es albañil.
Doña Teresa con la finalidad de contar con sus propios ingresos y con esto cubrir los gastos de estudios de sus hijos y del hogar se dedica a la venta de productos por catálogos de Avon (artículos de belleza, cosméticos perfumería y accesorios para damas), 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, su forma de venta es puerta a puerta, deja a crédito y cobra semanalmente, se dedica a este negocio desde hace 10 años y gracias a sus ganancias salen adelante.
Este crédito lo va a emplear en comprar perfumes, bisutería, cosméticos, cremas y otros productos. Lleva tres ciclos en el Grupo De Crédito y le gusta porque los créditos le ayudan mucho. Sus sueños es que sus hijos terminen sus estudios y sean buenos profesionales.

About Ecuador

  • $10,600
    Average annual income
  • 45
    View loans »
    Ecuador Loans Fundraising
  • $24,295,300
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $775 helped Teresa Aracely to buy perfume, costume jewelry, cosmetics, creams, and other products.
100% repaid
Repayment Term
7 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
May 8, 2014
Listed
Jun 2, 2014
Currency Exchange Loss:
N/A
Ended:
Nov 20, 2014