A loan of $1,100 helped to buy ingredients.


Zoila Monserrate's story

The members of the Crucita Communal Bank get together every two weeks in the Crucita parish of the Portoviejo settlement, an area known for the beautiful beaches that surround this beautiful place and are well visited by national and foreign tourists. It’s known as “Crucita la Bella.”

Here we meet Zoila. She is 51 years old, married, and has four children. Three of them are fully grown and the youngest is 17 years old and still lives with her. Her husband is a driver.

Our friend is a very good housewife who, in order to earn something and be able to help with the household expenses, sells fast food such as hamburgers, tostadas, fruit smoothies, and soft drinks, among other things. She rents a stall near the beach and works from 4:00 pm to 10:00 pm and later whenever the fairs are run because this is when her sales increase. She has been running her business for two years and things are going well.

She will use the money from this loan to buy fruit, meat, bread, and other ingredients to prepare her food. She has been a part of the communal bank for more than six years. She is the secretary and she enjoys it because the loans are of great help to her getting ahead.

Her dream is to have her own shop.

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Translated from Spanish by Kiva volunteer Hugo Reyes


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