A loan of $1,100 helped to buy perfumes, creams, cosmetics, and underwear.

Fanny Cecilia's story

The members of the "Esfuerzo y Poder" communal bank meet every two weeks in Olmedo canton, in Manabi province. This place is known for its beautiful scenery and hard-working people who make their living farming and raising livestock.

This is where we met Fanny. She is 33, married, and has five children, ages 19, 15, 9, 8, and 5. The two eldest are in high school, and the younger ones are in primary school. Her husband is an auto mechanic.

She is a housewife, and to earn her own income and help her husband withe household expenses, she sells Yanba products (beauty products, cosmetics, perfume, and ladies' accessories).

She works every day of the week for two to three hours a day, especially in the afternoons. She sells on credit and collects weekly. She has been working in this business for four years, and it is going very well. What she sells the most of is perfume and cosmetics, as they are very good.

This loan is to buy perfumes, creams, cosmetics, and underwear. This is her fifth cycle in the communal bank and she is the payment treasurer. She likes it because the payments are easy to make, and her co-members are very punctual. Her dream is to keep her business going, and do her best for her children.

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Translated from Spanish by Kiva volunteer Jeff Goldie

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