A loan of $1,100 helped purchase of women's clothing.


Luisa Maria's story

María is very dedicated to her work and her children. She is a consultant for Rommanel jewelry (jewelry made with semi-precious stones), she sells clothing, and she also has a phone booth business. She has been in business for about 15 years. She began alone, selling gold jewelry. She was encouraged to get into sales of semi-precious jewelry because of her youngest child. With two older children and then the youngest one, it became difficult for her to travel, so when she found out about the semi-precious jewelry business in the city of Manta, she became part of the business and has continued with it until now.

María has been married for 23 years. She has three children, two of them grown up and one still young.

The phone business is set up in her house. In the beginning, her eldest son ran it since he was about to enter the university and chose to start this business to help him pay for his studies.

María manages the jewelry and clothing sales herself. She tries to schedule her time well, so in the mornings she does the household chores and in the afternoons she sells jewelry and clothing. She has regular customers and is finding new customers as she expands her business. Her investment in the businesses is according to their needs. For the jewelry it is according to how the purchases and sales are going. Since she's been doing this for many years, the suppliers offer her credit until her sales are finalized. Although normally these sales must be paid in advance, the suppliers know she is responsible. For the phone booths, the investment is only for prepaid phone cards.

She is happy because with the new loan she will invest in more clothing. Mother's Day is approaching, and she knows sales will be high, so she will invest in clothes for women. Her dream is to get ahead. A niece encouraged her to join the communal bank, and for now she is very happy with her business because it is profitable. She knows that with the next loan, everything will be much better.

Translated from Spanish by Kiva volunteer


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