A loan of $675 helped to buy pants, blouses, t-shirts and children’s clothing.


Martha Johana's story

The communal bank “15 de Diciembre” meets every fifteen days in the seaside resort town of San Clemente in Portoviejo. This place is known for its beautiful beaches that are visited by many national and foreign tourists. It offers a diversity of beautiful places and a rich variety of traditional dishes from the region.

Martha lives in this place. She is 32 years old and lives in a common-law marriage from which she has two children, ages 11 and 8, who attend school. Her husband makes a living fishing.

With the intention of earning something on her own and with this being able to help her husband with the household expenses, she dedicates herself to business selling all kinds of clothing. Her method of sales is door-to-door and she also sells in her house where her most well-known clients come. She also works from a base of orders that her customers make in advance. She gives them easy payment plans as she puts her customers on credit and collects every fifteen days. She goes to buy her merchandise in Guayaquil each time she needs it. She has dedicated more than a year to this activity and it is going very well for her.

She is going to use this loan to buy more merchandise such as pants, blouses, t-shirts and children’s clothing. She has been in the communal bank for two loan cycles and she likes the help that the loans represent for her business.

Her dream is to give her children the very best.

Translated from Spanish by Kiva volunteer Melanie Snellings


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