A loan of $900 helped to buy clothing for resale.


Erika Patricia's story

The members of the “Progreso Del Mar” communal bank meet every two weeks in the beautiful San Mateo spa in the city of Manta, known for its beautiful beaches which are visited by national and foreign tourists year round. Most of the people here fish or perform other labors of the sea. Here we meet Erika. She’s 30 years old, married, and as a result has two children, ages 9 and 3. The oldest attends school. Her husband is a fisherman. In order to be able to earn some money on her own and help her husband with the household expenses and help support the children, she sells clothing of all types. She sells door to door and also out of her home if one of her customers needs something. She works 3-4 days a week and whenever she’s free. She doesn’t have a set schedule. She sells on credit and collects every two weeks. She buys her merchandise in Guayaquil every two weeks or once a month, depending on what she needs. She’s been doing this for two weeks and things are going well for her. She will use the money from this loan to buy merchandise, such as pants, blouses, shirts, and above all, children’s undergarments, now that the school season has begun and this is what she sells the most of. She’s been a member of the communal bank for two years and she enjoys it because she started her business with the money from her first loan and this has helped her get ahead. Her dreams are to continue moving forward in her business and provide the best for her children. Erika is in the front of the photograph, wearing a stripped t-shirt.

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Translated from Spanish by Kiva volunteer Hugo Reyes


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