A loan of $1,175 helped to purchase perfumes, creams, cosmetics, and silver earrings.


Fátima Livida's story

The Las Luminosas [Shining Stars] Communal bank meets twice a month in Las Palmas in the Montecristi Canton, an area known for its rich precolonial culture and its nationally and internationally famous handicrafts.

This is where 30-year-old Doña Fátima and her husband live. The couple has three children, ages eleven, seven, and three. The two older children are in school and their father works as a driver.

Doña Fátima is a stay-at-home mother who also works selling sliver earrings, costume jewelry, and Yanbal products (beauty products, cosmetics, perfume, and women's accessories). This work provides Doña Fátima with her own income and allows her to help her husband with household expenses. Doña Fátima has for seven years sold these goods door-to-door in her town three or four days a week. She sells products on credit and collects payment every eight days. Doña Fátima has gained many customers over the years and her most popular products are the high quality perfumes she sells.

Doña Fátima will use funds from this loan to purchase perfumes, creams, cosmetics, and silver earrings. She has been a member of the communal bank for three years and is pleased that loans have helped her a great deal.

Doña Fátima's ambition is to have her own boutique.

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Translated from Spanish by Kiva volunteer Stephen Volante


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