A loan of $1,100 helped to buy silver jewelry, clothing, perfumes, trinkets, cosmetics, crèmes, and other products.


Ketty Aracely's story

The Communal Bank called "Umiña" meets every 15 days in the neighborhood of Umiña in the city of Manta. This place is known for its beautiful beaches, its food, and for being one of the largest ports in the country and in the Americas since it is situated on the Pacific.


It is in this place that one can meet Sra. Ketty. She is 44 years old, in a common-law relationship, and has a seven-year-old daughter who is in school. Her husband works abroad.


Ketty works to earn her own income and to provide for her young daughter's expenses. She sells clothing of all types, silver jewelry, and Avon and Yanbal products through catalogs (such as beauty products, cosmetics, perfumes, and women's accessories). Ketty works every day, mostly in the mornings since it is easier for her to travel at that time and take advantage of the hours when her little one is at school. She sells by going door-to-door or by having customers come to her home. Ketty extends credit and collects payment every eight days. She says that she buys her products in Guayaquil, but she also has merchandise shipped from abroad. Ketty has been in business for more than seven years and has done very well.


This loan will be used to buy silver jewelry, clothing, perfumes, trinkets, cosmetics, crèmes, and other products. Ketty has been with her Communal Bank from the beginning and says that she enjoys the fact that her fellow group members keep her entertained during their meetings. Her dreams are to provide the best for her little one and to see her husband return home.

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Translated from Spanish by Kiva volunteer Ronan Reodica


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