Funded

Total loan: $750
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Seneida Maricela

Ecuador
Portoviejo, Ecuador / Cosmetics Sales

A loan of $750 helped to buy creams, perfumes, cosmetics, seeds, fertilizers, and weed killers.


Seneida Maricela's story

The place known as Los Arenales can be found in the Crucita parish in the Portoviejo province. That is where the members of the “Nueva Generación” (New Generation) Communal Bank meet every two weeks. This place is known for its beautiful beaches, its cuisine, and the warmth of its people.

This is where we find Seneida, age 33. She is married and has two children, ages 15 and 8. The older child goes to high school, and the younger child is in elementary school. Her husband is a farmer. She is a teacher in a local school.

In addition to being a housewife and a teacher, she also sells Avon products (beauty products, cosmetics, perfume, and women’s accessories). She works from Monday through Friday. She sells door to door in the afternoons and evenings. She also sells to her colleagues at her place of work and to mothers who want her products.

Sometimes she helps her husband with the crops. He grows pearl onions, watermelon, cantaloupe, and pepper plants. They work with the help of ten people, to whom they pay a salary.

This loan is to buy creams and perfumes, but above all, it is to buy seeds, fertilizers, and weed killers. She has been a member of the communal bank for eight years. She likes the bank because of the benefits that she receives. Her dream is to get her degree. She is working on her thesis, and she wants to obtain an appointment from the state as a teacher.

Translated from Spanish by Kiva volunteer Ginny Kalish


Loan details

Loan length:

6 months
Disbursed date: November 23, 2010
Facilitated by Field Partner: Fundación ESPOIR

Lenders and lending teams



Loan details

Loan length:

6 months
Disbursed date: November 23, 2010
Facilitated by Field Partner: Fundación ESPOIR