A loan of $400 helped purchase shoes.


Ana Karina's story

The community of Bellavista is located in Portoviejo, the capital of Manabí, which was known for several years as the city of tamarinds. The members of the Bellavista Communal Bank conduct their meetings here.

The staff of Fundación ESPOIR had the chance to speak with Sra. Ana Karina M., the founder and president of this Communal Bank. She is 32 years old and has been married for 15 years. Ana and her husband have three precious daughters who are her reason for living. She is studying for a degree in Education at the Technical University of Manabí and expects to graduate in December. Ana divides her time between her work and taking care of her home, which includes looking after her children, who are still young and require a great deal of attention.

At the moment, she spends time operating a retail business in addition to her teaching job. She sells several products including shoes, women’s clothing, and merchandise made by Yanbal (a company that offers beauty products, perfumes, and other accessories through catalogs). Ana sells by taking orders and offering her products door to door. She has many established customers, which include her co-workers.

Ana says she had difficulty at first because she had little money left over after buying large quantities of merchandise. Forming a Communal Bank with the other ladies in her group has been a great help to her as well as the rest of the members.

This new loan will be used to buy shoes since she has many orders for this type of merchandise. Ana has had other loans through Fundación ESPOIR. She enjoys working with the Institution because of the ease in securing credit.

Ana’s goals are to graduate with her degree, continue with her profession, gain experience through her job, and improve the quality of life for all of her children.

Translator profile picture

Translated from Spanish by Kiva volunteer Ronan Reodica


Loan details


Lenders and lending teams



Loan details