A loan of $1,100 helped to buy pants, blouses, t-shirts, purses and women's accessories.

Jully Karina's story

The “La Rosa de Guadalupe” communal bank meets every two weeks in the city of Charapoto which is very well known for its traditional culture and for being just a few minutes away from two of the best beaches in the province: San Jacinto and San Clemente. Jully, 38, lives here. She’s married and has three children who are 19, 18 and 9 years of age. The two older ones attend university and the youngest is in elementary school. Her husband works for the electric company.

In order to earn a bit on her own and to feel independent, she sells all types of clothes door to door and also at home where her customers come by when they need some article of clothing. She works three days a week on varying schedules. She sells her merchandise on credit and collects bi-weekly. She goes to Guayaquil every two weeks or monthly to buy merchandise as needed. She’s been in business five years and does very well.

She’s repeating her loan with the communal bank because she was able to use the previous one to go to Guayaquil to buy clothes and by being able to pay cash everything was less expensive; she even bought purses and several accessories that she’s also selling now and are producing higher income that she will use to buy merchandise like pants, blouses, t-shirts, purses and women’s accessories.

She’s been in the communal bank for more than two years and is its president; she likes it because of the help she gets from the loans. Her dream is that her children complete their education and become good professionals.

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Translated from Spanish by Kiva volunteer Polliz

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