A loan of $1,100 helped to buy perfume, jewelry, cosmetics and creams.

Ana María's story

Every two weeks the members of the Nuevo Amanecer (New Dawn) community bank meet in Bajo de Montecristi, in Manabí province. This is a small place which is surrounded by vegetation. The locals work pursue different business activities such as selling merchandise and working in factories.

Here we meet 35 year-old Ana who has been married for several years but does not have any children yet. Her husband is a taxi driver. Ana has been a member of her community bank for two years and she likes it because of the camaraderie that she has found within the group and also for the help that she receives through the loans.

Ana works in a factory in the city of Manta but she also sells Avon products (beauty products, cosmetics, perfume and ladies' accessories). She works from Monday to Friday, from 8.30am to 5.00pm, in the factory and makes her sales in the evenings and on weekends. She leaves her products with her customers on credit and collects payment every week. She tells us that she has been in this line of work for two years and that she started out with the first loan that she received from her community bank.

Ana will use this loan to buy perfume, jewelry, cosmetics and creams. Her dream is to own a store.

Translated from Spanish by Kiva volunteer Linda Oxnard

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