A loan of $1,700 helped to purchase clothes and cosmetics.


Mirtha Paulina's story

The San Esteban communal bank meets fortnightly in the city of Charapoto, an area which is known for its traditional culture and also for being close to two of the best beaches in the province called San Jacinto and San Clemente.

37-year-old Mirtha lives here with her common-law husband and their three children aged 11, 6 and 4. The two eldest study in school and the youngest will start kindergarten this year. Her husband works in a transportation cooperative.

Mirtha has a retail business, so that she can earn an income to help her husband pay for expenses and the children's education. She sells clothes and shoes by catalog and also sells Belcorp products (beauty products, cosmetics, perfume, and women’s accessories). She sells her products door to door and works every afternoon. She sells to her customers on credit, which she collects every 15 days.

Mirtha has been in this business for over ten years and thanks to her work she is able to get by. She is requesting a new loan as it is the only form of financing for her business she has access to. The last loan worked very well and she used her earnings to pay for her children's schooling expenses. The new loan will be used to buy clothes and Belcorp cosmetics. She has been a member of the communal bank for over 15 years, and likes it because the loans have always helped her. Her dream is to give her children the best.

Translated from Spanish by Kiva volunteer Fiona Craig


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