A loan of $550 helped pay for the merchandise that her customers have ordered this month.


Nerys Noedita's story

Mejía is located a few kilometers outside of the city of Portoviejo, a city where most of the residents engage in farming activities such as growing and selling coconuts. The members of the Mejía Communal Bank meet every fifteen days.


Sra. Nerys is 42 years old and currently single, but she has been in a long-term relationship that resulted in five children, four of whom are adults while her youngest daughter is still underage. All of her children are either university or high school students.


Nerys is a homemaker who manages her own business in order to cope with the household expenses and the cost of her children’s education. She sells household goods such as blenders, irons, fans, beds, vacuum cleaners, and other products from her store called “Gran Cadena” (Great Chain). Her sales are generated by catalog. As soon as she reaches the appropriate quota, she sends her orders to the company and then receives the merchandise so that she can deliver them to her customers. Nerys extends credit and then collects payments on either a weekly or biweekly schedule. She works three or four days per week during the morning hours.


This loan will be used to pay for this month’s orders. Nerys has been a member of her Communal Bank for five loan cycles. She serves as the group secretary and has performed very well in this position. Nerys also enjoys the benefits she receives from her Communal Bank.

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Translated from Spanish by Kiva volunteer Ronan Reodica


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