A loan of $1,225 helped to buy perfumes, creams, cosmetics and accessories.

Lucrecia Cristina's story

The communal bank "Damas del Futuro" meets every 15 days in the Pajan Canton, which is known for its livestock farming. One of its attractions is the Montubio Rodeo which is organized throughout the year.

This is where we met Mrs. Lucrecia, 40, who is married and has two adult children, although one still lives at home. Her husband is a farmer.

Our friend is a homemaker who, in an effort to earn her own income to help her husband with household expenses, sells Avon products (beauty products, cosmetics, perfume and women's accessories). She works three days a week, two to three hours a day, and delivers the products on a credit basis, collecting payment every eight days. She has been in business for five years and it is going very well. Perfumes and cosmetics are her best selling items, she says, because they are very good.

This loan will be used to buy perfumes, creams, cosmetics and accessories. She has been in the communal bank for two years, and likes it because the loan payments are easy to make.

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Translated from Spanish by Kiva volunteer Sherry Bess

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Loan details