Update on Carmen CerelaThe members of the Desarrollo Femenino communal bank meet every 15 days in the Calderón parish in the city of Portoviejo. This place is known for its delicious cuisine and rich vegetation. The majority of its inhabitants work in agricultural and general commerce.
Carmen, who is 45 years old, lives here. She is in a common-law marriage and has five children. Two of them are grown, and the other three are 13,12, and 10 years old. Two of them attend middle school, and the youngest one goes to elementary school. Her husband is a merchant.
Carmen is a great wife and mother. She is requesting the loan to help her husband. He has a business selling fruits and vegetables. Her husband goes to the city of Portoviejo every day to stock up on all the products in the wholesale market. He then goes the market in his city and sells these products to the people who go there daily to buy food. He has been working in this occupation for over 35 years. This is how he supports his family in an honest way.
This loan is to by fruits and vegetables for his business. She is a founding member of the communal bank. She likes it because of the loans. She feels useful upon helping her husband. Her dream is to have a food store at her house.
En este lugar vive la señora Carmen, tiene 45 años de edad, mantiene una relación de unión libre de la cual tiene 5 hijos, dos mayores y tres de 13, 12 y 10 años, dos de ellos estudian en colegio y el menor en escuela. Su marido es comerciante.
Doña Carmen es una gran esposa y madre que realiza el crédito para ayudarle a su esposo el cual tiene un negocio de venta de frutas y legumbres, su esposo todos los días se desplaza a la ciudad de Portoviejo a abastecerse de todos los productos en el mercado de mayoristas para luego trasladarse al mercado de su localidad y poder vender sus productos a las personas que a diario acuden a este lugar a comprar los alimentos. El lleva más 35 años dedicado a esta actividad con la cual saca adelante a su familia de forma honrada.
Este crédito es para comprar frutas y legumbres para su negocio. Es socia fundadora del Grupo De Crédito y le gusta porque con los créditos ella se siente útil al ayudarle a su marido. Sus sueños son tener una tienda de víveres en su casa.
Previous Loan DetailsThe members of the Desarrollo Femenino communal bank meet every 15 days in the Calderón parish in the city of Portoviejo. This place is known for its delicious cuisine and rich vegetation. The majority of its inhabitants work in agricultural and general commerce. Carmen, age 44, lives here. ... More from Carmen Cerela's previous loan »
Concurrent and Successive Loans
Our Field Partners often work with borrowers over a series of loans as the borrowers build credit, take out bigger loans, and expand their businesses. In order to make it easier for our Field Partners to post loans for borrowers who have been listed on Kiva before, we allow them to post successive and concurrent loans for their Kiva borrowers. This means that our Field Partners are able to post a borrower's second, third, etc., loan on Kiva without having to re-enter all of the borrower's information.
This borrower has been listed on Kiva before, so you'll see an updated loan description, as well as excerpts of the original descriptions from earlier loans. Most borrowers take out loans consecutively, meaning that they receive a second loan after having repaid the first. However, sometimes our Field Partners give out concurrent loans, allowing borrowers to take out one primary loan and a secondary "add-on" loan along with it. These "add-on" loans are typically smaller than the borrower's primary loan and serve a different purpose. Because Field Partners can now post loans as successive and concurrent loans, you will be able to track borrower progress over time and see the various ways a borrower is working with our Field Partners through funds from Kiva’s lenders.
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