A loan of $550 helped to buy Romanel brand jewelry and Yambal and Avon brand cosmetics and costume jewelry.


Shirley Yajaira's story

The “Dios Con Nosotros” (God with Us) communal bank meets every two weeks in the El Florón neighborhood in Portoviejo, Manabí capital, known as the City of the Valley because it’s surrounded by many hills.

This is Shirley’s third cycle and she is very happy. She loves the meetings because she learns things that are useful for her everyday life. She is 27 years old and is in a common law relationship. She has three children who are 12, 4 and 2 years of age. The oldest is in first year of high school. Her husband is a bricklayer.

She is a housewife who makes time to work in commerce. She sells Avon and Yanbal products (beauty supplies, perfumes and costume jewelry); she also sells Romanel brand jewelry. All of her products are sold via catalogue. She works from Monday through Friday for about three hours per afternoon. She sells on credit and on collection days she makes new sales.

She will use this loan to buy more merchandise because she has quite a few pending orders for this month and she hasn’t yet recovered last month’s capital.

Her dream is to study a university career.

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Translated from Spanish by Kiva volunteer Polliz


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