A loan of $1,175 helped to buy pants, blouses, T-shirts and children's clothing.


Carmen Marina's story

The communal bank "Jardín De La Artesanía" meets every 15 days in the canton of Montecristi. This area is known for its rich pre-colonial culture and for its handicrafts, which are well-known at the national and international level, because this is where the famous "Panama" straw hats are made.

This is where Carmen, 63, lives. She is married, and she and her husband have three grown children, one of whom still lives with her. Her husband has a workshop where he repairs shoes.

In order to earn something on her own so that she can get ahead and help her husband with the household expenses, Carmen has a business selling all types of clothing. She sells door-to-door as well as from her home, where she has a small store that is well stocked. Carmen goes out to sell three days a week, selling on credit and collecting every 15 days. She goes to buy her merchandise in Guayaquil every time she needs it. She's had this business for 9 years, and with it she helps to cover the household expenses, since her husband doesn't earn a lot from his work.

Carmen will use this loan to buy more merchandise, such as: pants, blouses, T-shirts and children's clothing. She's been a member of her communal bank from the start, and she likes it because of the help that is always provided with these loans, enabling her to get ahead.

Carmen's dream is to have a big store.

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Translated from Spanish by Kiva volunteer Lisa Grobar


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