A loan of $900 helped to buy creams, perfumes, cosmetics, sandals and clothes.


Rosa Hilda's story

The “La Inmaculada” communal bank meets every two weeks in the city of Tosagua, a place known for being very dynamic most of whose residents raise animals and farm because it’s an area with much vegetation.

This is where we met Rosa, 35. She’s married and has three children who are 10, 8 and 5 years of age. The two oldest are in school. Her husband is working abroad. She’s been a member of the communal bank for 11 years and is its Secretary. She likes it because the loans have helped her business quite a bit.

She is a housewife but also a merchant. She sells all types of clothes and sandals. She’s also a beauty consultant and sells Yanbal, Avon and Saison brand products (beauty products, cosmetics, perfumes and women’s accessories). She works three days a week. She sells on credit and collects payments weekly or biweekly according to her customers’ wishes. The beauty products are delivered to her at home but she goes to Guayaquil to buy the clothes and sandals as often as necessary during the month.

She will use this loan to buy perfumes, creams, cosmetics, sandals and clothes. Her dream is to own a boutique.

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Translated from Spanish by Kiva volunteer Polliz


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