A loan of $400 helped perfumes, creams, drinks.


Silvia Josefina's story

Silvia is 30 years old. She sells Yambal products. Yambal is a business that offers female entrepreneurs the opportunity to sell independently. She lives in a suburban area with dirt roads called Fortin de Guayaquil.


She carries out her work only in order to support her two children, ages 3 years and 11 months. She works from very early in the day offering products to her neighbors and friends. She sells perfumes from $20.00 to $75.00 per unit. In order to have more income, she also sells drinks and snacks to her neighbors’ children.


With the loan she wants to buy Yambal products such as perfumes, creams and drinks. In the future she wants to finish building her house and to have a place for a small shop.

Translated from Spanish by Kiva volunteer Rick & Pat Brown



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