A loan of $1,200 helped buy perfume, lotions, cosmetics, etc.


Zoila Emperatriz's story

In the Crucita area of Portoviejo the members of the Crucita Community Bank get together. This area is known for the beautiful beaches surrounding this lovely place. The beaches are very visited by local and foreign tourists and is known as "Crucita the Beautiful".


Here we met Mrs. Zoila. She is 45 years old, married, and has two children from this union. One of them is older and her younger daughter is 11 years old and studies in secondary school and still lives with her. Her husband works fishing but only in some seasons.


Our friend is a housewife who works selling Avon products (beauty products, cosmetics, perfume, and ladies' accessories) in order to earn her own money and help her husband with the expenses of the home. She works three days a week for two to three hours a day. She sells her products on credit and collects weekly. She has been doing this work for more than 5 years and it is going very well for her. She shared with us that she sells the most of the perfume and cosmetics, and she says they are very good.


This loan is for buying perfume, lotion, cosmetics, and other items. She has been with the Community Bank for more than 10 years and she likes it because the payments are easy to make. Her dream is to give her daughter all the best.

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Translated from Spanish by Kiva volunteer Emily Meinecke


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