A loan of $975 helped to buy perfumes, costume jewelry, cosmetics and creams.

Nelly Del Carmen's story

Caminantes de Cristo (Travelers in Christ) is a Communal Bank that meets every fortnight in the outskirts of Portoviejo in a sector known as Las Piedras. This place is known because it’s near a rock quarry, hence its name.

This is where Nelly Del Carmen lives. She is 45 years old, she is married and she has three adult children who are attending university and who still live at home. Her husband is a mason.

In order to support her children’s education costs and to help her husband paying for their household expenses, Nelly engages in selling Yanbal products (beauty products, cosmetics, perfumes and accessories for ladies). On top of this, she works as a maid in a house from 6.30 am, while in the evenings she sells her beauty products traveling around the community where she lives. She sells on credit and collects from her customers every weekend; she has been engaged in this activity for more than 11 years and things have been going very well.

She will use the loan she is requesting to buy perfumes, costume jewelry, cosmetics and creams. She is a founding member of her Communal Bank and she likes it because of the help she has received from the institution.

She hopes that her children will become professionals.

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Translated from Spanish by Kiva volunteer Emanuela Villa

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